Keith J wrote:

> It works both ways.... I have perfect credit and when purchasing a vehicle
> from Chevy, I told them I didn't want their GMAC financing as my bank had a
> better rate than 4.4% they were offering (i lied)... The sales guy went
> and hung out with the sales manager so I opened my book. (Always take
> reading material).

A very good tactic. When I bought my Accord EX last summer, I talked
with the salesman for at least 1 1/2 hours after my test ride (which
lasted 45 minutes, BTW - it's his time!). I had numbers from the 'Net,
which they wouldn't even approach, so I thanked him for the test ride &
his time and left, saying I needed to check other dealers). Walking away
from the deal is a very powerful negotiating tool.

I got a call from him the next afternoon telling me his good friend the
sales manager had authorized him to meet the 'Net figures, which he did,
so I bought the car.

> He came back in about 5-10 mins and asked if I would go
> with GMAC if they matched the made up number I came up with of 3.5% for 60
> months. I reluctantly agreed.. HAHAHAHA and signed immediately!
>
> So when Chevy was offering the $3500 rebates or $1000 rebate and the
> financing of 3.5%... I got both! $3500 and 3.5% But you have to be a
> stone faced liar...

Fighting fire with fire - kudos to you for negotiating at their level.