[j2digit]

if you haven't checked it out already , i would advise you to go through a credit union. they often give out the best interest rate to thier members and best of all, no haggling with the dealership. if you get approved, the CU will issue you a check and you just hand it to the dealership and sign papers and you're done. Of course , the dealership will try to talk you out of it (financing with the CU) and maybe even back out of selling you the car, but legally, they cannot do that if the car is available. I don't know how it is where you're at , but here in california, dealerships, cant get the FRS/BRZ fast enough to sell them.

Just my 2 cents, goodluck