# Suggestion on first time financing?

**URL:** <https://forums.speedlife.net/t/suggestion-on-first-time-financing/43641>\
**Category:** NYSpeed Automotive\
**Created:** [February 18, 2008, 2:15pm UTC](https://forums.speedlife.net/t/suggestion-on-first-time-financing/43641 "2008-02-18T14:15:43Z")\
**Posts on this page:** 1\
**Showing post:** 5

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**Author:** ![\_Karu](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/_karu/32/7602_2.png) [@\_Karu](https://forums.speedlife.net/u/_Karu)\
**Post date:** [February 18, 2008, 2:30pm UTC](https://forums.speedlife.net/t/suggestion-on-first-time-financing/43641/5 "2008-02-18T14:30:02Z")

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> [@theblue](#):
>
> go to a credit union and get approval based on the type of car and price you’re looking at. then compare that to whatever they tell you at the dealer. Don’t tell them the credit union part up front, wait until their finance offer sucks then show them and have them beat it if they can.

This is a great advice! However, can you give me more detail on this credit union? Is it done online?

If I am to do this, will it affect my credit history?

> [@theblue](#):
>
> also, don’t talk payments… tell them you’re not financing until you get them as low as possible on the price, then ask them about financing, otherwise they’ll screw you at the other end of the deal to make their money.

Another great advice. I also heard about this from friends around me.

Another thing though, is about trading in, in that case, is it really okay…if i really really fight the price down…and then mention about the trade-in at the very end? will it affect the trade-in price (since they might get pissed)? :whip:

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