That’s frequently true. This was an unusual situation. In our case, they wouldn’t have been able to better our financing. Our credit union was giving us 1.75%.

That’s frequently true. This was an unusual situation. In our case, they wouldn’t have been able to better our financing. Our credit union was giving us 1.75%. The best the dealership could do started at about twice that. We had also contracted ahead of time to buy that particular car at almost exactly MSRP, and between the overly eager sales rep who wrote it up with no dealer add-ons, and Toyota’s allocation system deadlines, they were incentivized to walk us out of there as fast as possible. We were there less than an hour. Edit: proofreading