Find out what the car is selling for before going into the dealer.

Go to your bank and find out what they can do for a car loan. They love to give loans to customers with good credit.

Do not discuss down payment until you find out the final price of the car.

Do not discuss down payment until you hear the financing plan and compare it to the bank offer.

Be willing to say no.

When you choose to buy the car, adjust the financed amount by your down payment.