[mc73nova]

I agree with knipps. You can get a capitalone auto finance just as easy as you can finance from a dealer. You fill out your info online and if you get approved they send you a maximum loan amount and a blank check. So, if you get approved for $20k and you only need $15k you right the check for $15k and they will give you monthly payments based on that amount. I have used it before, plus if you are looking at a dealership, it is hard to find a bargain.