On Mon, 05 Jul 2004 20:30:04 -0400, "Elmo P. Shagnasty"
<elmop@nastydesigns.com> wrote:

>You can *always* buy everything outside the car itself somewhere else.
>You can buy the money somewhere else (the financing), and you should.

This is the only place I saw that may need attention. With most all
the manufacturers offering APR's lower than you can get even at your
credit unions you are often better off taking the manufacturer
financing. The trick to that is making sure you know what your credit
is before you go in and shop the car. Get the Automotive Beacon Score
from your credit union or something similar. If you are 700-720+ you
should qualify for just about everyone's best rates. The dealers as
well as the banks can try to make points (bumping an interest rate up
a little and getting a kickback for it) but they can't do that if you
know what your credit is and what rates you qualify for.