When I went into the dealership, I had my own financing, but I asked about theirs. They gave me a rate quite a bit less than what I had arranged. Through the final closing of the deal, they lowered my interest rate a bit more. If you have excellent credit, you CAN negotiate this. All the way through this process, the Mountain States internet and sales staff were the most responsive of all of the dealerships, and they actually wanted to work with me.
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