Wish I saw this thread before I bought my '13 WRX hatch. I have a couple questions in hindsight that I didn't think about earlier.
Personally, I refuse to talk numbers until I drive everything that's on my list of potentials. I make that clear at the start of things. And before negotiations even started, I had an offer for a loan already in my hand. I figure that's a good way to be taken seriously. The dealer knew they couldn't match my offer in-house, but they worked with several banks local to them to get me a better deal. How much of a benefit was that to them than me using my own financing offer? Is it effectively the same thing or do banks typically give some sort of kickback for the business?