ok take this into account. you will get your best deal at the end of the month and the winter is a better time than the spring or summer in most cases to buy. at the end of december they will have a yearly quota and a monthly quota to meet . now for some dealers this will not matter they are no where close to meeting it so they will not have as much incentive to discount as some others will. as far as fianancing go here and join you should qualify if you are military no problemo. http://www.penfed.org they have 4.75% new or used new up to 72 months and used up to 60 months. also look here they will post the price discounted right on the net. www.fitzmall.com if they can sell it for that price so can others.