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Car financing
Often, as with some other financing packages, the car dealer themselves do not 'loan' you the money.
They take your loan and sell it to a bank or other financing company, aiming to make a reasonable percentage themselves.
From their point of view, its all just part of the product they sell to you.
So think of it like this, if you must get car financing, can you find a better deal with the bank or lenders yourself? Check before you take the dealers rate, as it may just be an increased version of one you could find but you'll be glad you checked either way.
Know your Credit Rating
As with any loan or financing, you should be sure on your credit rating before seeing any dealer or someone offering a product/sevice.Know for yourself whether your rating is good or bad, so then if they tell you its good or bad and use that as a reason for offering a specific deal, you can factor that in to how truthful they are actually being.
If nothing else it puts you in a stronger negotiating position, knowing this up front.