I'm agreeing with the finance guy, as I'am a finance major myself. People need to do more research before heading into the dealership. Know what to expect and have a max price your willing to pay, most of the time its usually $500 above invoice. If your not a good negotiator, there are website such as cardirect.com which will give you the invoice of the car and all current deals on it. Also if you interested in purchasing just fill out the information and local dealership will e-mail you the price. I did that and got a three different dealership response went to the lowest dealship and used the figure they gave me as the start of the negotiation. I'm currently paying a little over $300 for my 07 Civic Lx Sedan with zero down for 60 months. Also be aware of your credit score and the real rate you qualify for. Dealerships and banks will give you a higher rate then you qualify for and split the profits. This has been known to happen. I hope this helps the next time your shopping for a vehicle. Costco is also great membership is $50.00 and you will most likely get a great deal on the car every time. Not the best deal but better then getting ripped off. Good LUCK