P4mnceBlue82
Full Access Member
My truck was 76k. I got it for 68k after negotiating. But they did the whole finance thru us thing as the kicker. Like u I was pre-approved thru my credit union at a much lower rate. So I just did the deal. Made a payment then refinanced with my credit union. It is a double hit to your credit but its not a big hit and I rarely have my credit pulled. So I wasn't too worried.