After a little negotiating, . . . See there is the problem, negotiating. You have all the info, you tell the dealer here is the deal, cost plus a fair markup (you decide how much is "fair markup") take it or you walk, period. NO talk with the financial manager, no dealing, no negotiating, no 'I have to run this by my boss'. Take the deal or you walk. If they start with some line, call them on it stick to ]your deal. If the salesman walks away, you tell him he looses the deal and you walk out the door. And then you do it. Just leave.