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Rule #1 in car buying.....NEVER, EVER, EVER, EVER DISCUSS PAYMENTS. Payments are furry....the price of the car is firm. Negotiate the price of the car and then if you decide to finance it with the dealer he can compete for that business, as well, but let him know that you plan to get it financed at your Credit Union (even if you dont have one). Trust me, he will try to get that financing business later, too, and you can negotiate that as well.
Good Luck!
--T
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