"i sold new chryslers and jeeps.. we had 0% incentive rates on most models... required score?? the lowest i saw that qualifed was a 620... they were given free credit, no fine print... your thinking dealer rates, not factory rates"

I sold Mini Coopers at a BMW dealership. I have no idea what you're talking about when you say "dealer rates, not factory rates." A dealership is not a lending institution.

A credit score of 620 is typical of a person who has declared bankruptcy in the last few years. When I sold cars we used to have a name for these people: credit criminals. How many cars did you sell that were later repossessed?

"also ALWAYS setup your own financing.. a dealership is allowed so many pts from credit unions they work with... they'll tell u 4.9 but .4 of it is [dealer] profit... goto the same credit union on your own and youll find 4.5 for yourself..."

Four-tenths of a percent may save you a hundred bucks over the life of the loan. If you get a rate from your credit union, tell the Business Manager* at the dealership. They might match the rate or lower the price of the car to meet the difference.

*Business Manager is the now what the F&I guy is called at a car dealership.