Have your credit union financing ready. When you have a final price, pull that out and ask them if they can write a better loan.

Decide now what vehicle you want, check credit union & Costco buying services. When you know what you want, with what features, go shopping on SuperBowl Sunday, just before kickoff. Once the game starts, most sales types will want close the deal and go back to the break room. Source: got a new truck during World Series with that city's team competing.