>>28621678
don't listen to anon except on #8 and #5.
for everything else, tell the sales guy that you want to achieve X total cost with Y car. Know the car ahead of time.
Ideally, you say "Hey before I come in and waste everyone's afternoon, you have Y car on lot for Z, I want to use my trade equity and a holding deposit as a down payment and get to X per month for X months, will your boss do this deal? I can come in and sign papers on mm/dd as long as everything goes smooth"
If they ask to run credit, tell them to just build a deal out that reaches your numbers and tell you if it's possible first. Only go in-person if they say "we can do this depending on what sort of interest rate you get"
once everything is figured out, they'll run credit, come back with a number, you'll send your preapproval on credit to ask if they can do better to get financing since you just checked with bank of whothefuck since you were already going to get dinged on your report.
finally, walk in and check to make sure the papers are the same ones you signed.
>1
doesn't matter, if you go there and don't end up getting the car the same day, they will remember to hit you up later. it's a big purchase and taking time to make it is normal.
>2
see above, never assume you'll buy a car that day
>3
>4
do a little research beforehand and use that to tell the dealer what you want the transaction to look like, it's fine if they want to cook their books for a lender as long as you get what you want
>6
see above, tell them what you want the transaction to look like
>7
>if you like their car at their price so much, fuck off and go buy from them
being a PITA is a terrible way to make a deal. being upfront and sticking with that is a good way to get the deal you want. if they feel like the deal is easy but the numbers are hard, they'll still take an easy deal and work on the numbers with other deals
>9
you shouldn't need to do this if they negotiate for you down to your price
