I didn't tell them I had a trade untill the price was negotiated and I have my own financing through USAA. You should always negotiate your price first before telling them you have a trade and try to have our own financing set up because they can actually quote you a rate higher than what you should get and slpit the difference with the bank. A lot of people get caught up in what the payments will be...never dicuss that with them, instead concetrate on the bottm line.
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