Punishment for not owning credit cards is that my score is in the 500s, because I only owe on my mortgage, so no revolving credit. I'm sure if I go to my credit union, and they see how much is being direct deposited over the past few years, they'll have no problem giving me a decent rate (they're advertising 3.14% for 60 months, 2.89 for 48 months). This is how I bought my last car about 5 years ago (and paid off in 3 years). BUT! I hear getting financing on my own, a dealer is not going to give me as good of a deal, as they make money if I use KMF. Whats worse, is I'm going to get a 2019 GT2 AWD. Yes, I know, the advice would be "get a few credit cards, and build up your credit over the next few months, and THEN buy". Nope... I'm impatient. The other advice is that I can get a better deal on a 2018... For my rebuttal there, I must introduce you to my little story. About 2 years ago, I wanted the K900, but only a select few dealers were allowed to sell them. What impressed me the most about the K900 was the heated rear seats, and the surround camera. The other thing I wanted in a new car was AWD, which the K900 fell short on. So then the Stinger gets announced, hits the mark for AWD, but the US version is missing the heated rear seats and surround camera. grrr.. Buying one in Canada would mean no financing, as I'm a US resident. So FINALLY the 2019 has those features. And if I'm going to get a new car, I want ALL the bells and whistles, so GT2 it is! (plus, the 130 miles driving daily, I'd like a comfortable car... hopefully the electronic shocks in the GT2 are even better in that department). Any thoughts? Should I just go in and ask for out-the-door pricing without playing the silly haggle game? Once they do their wealth screen on me, they might not want to give much in additional discounts. Sure, maybe they'll toss an incentive or two in there for good measure, but car dealers will always try to squeeze any last penny out of you. They'll be all over the "how much you can afford" vs my "how much I'm willing to pay". (I absolutely HATE haggling, as I'm quite the introvert). I imagine it's somewhat normal to just take an additional 3k off the price after all the incentives. I'll probably try to do a 48 or 60 month finance, that'll put me around $1000/mo, which is doable.