The best thing to do is have your financing pre-arranged at your bank or credit union. You then are not locked into dealership financing. If they can beat the rate that you have pre approved at your bank, for the same loan length and terms, then use them.If you come into a dealership with BBB complaints, the dealer will dot the I's and cross the T's, and make sure that they make enough money on you to make it worthwhile to deal with you, and your unrealistic expectations!!