In article <ts0ke0t4tssut3m6kpir6d23a1n3edp514@4ax.com>,
DragonRider <DragonRider1@comcast.net> 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.

Usually, the manufacturer financing at those special rates requires that
you buy the car at full sticker price.

I can get financing at 3.99% now, off the street. (It was 3.49% for the
longest time, until a few weeks ago.) I'm then free to negotiate
whatever price I can negotiate, including rebates.

(remember, the deal is usually special APR *or* rebates, but not both.
The special APR is just a marketing gimmick, designed to get people's
attention. Woe be to the guy who doesn't follow through by analyzing
his entire costs in the deal.)

The only way to handle that is to get all the numbers up front and
crunch them.