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As the others said, make a cash "out the door cost" which includes tax, title and license...everything down to the last cent. THEN, you apply whatever loan rate you have received from either the bank of your choice or theirs if the rate is lower.
Now not only do you have a cash price for the car, but also a financing rate that you can determine the monthly payment from yourself. Do NOT ask them what the monthly is, because YOU already know.
There are loan calculators all over the internet, just type "loan calculator" into your search box and insert the numbers. I can almost guarantee that they will have a different number if you ask them rather than tell them what the monthly is because they are banking on the fact that you don't have access to a calculator or are too stupid to use one. Don't let them be right.
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