how do i finance a new car...are there any tricks i could do to lower the price of the car?

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1. As for a trick, I don't know any, but I do know that you can't let the dealer push you around. Just from experience, my sister bought a car a year or so ago and she used her bank for financing. Even though my sister and the dealer decided on a price, when the offer was sent to the bank, the bank rejected and said the car wasn't worth what the dealer was selling it for (I think he wanted 10,000) and the bank offered (8,000) and the dealer accepted that. Also my sister got a lower interest rate because she went through the bank. Dealers try to finance you car at the highest interest as possible (they make a profit that) so if you want a trick to buying a new car, it would be negiotate as if your paying with cash, use your bank for financing, don't even talk about your trade-in or desired monthly payment until you decide the price on the new car, and don't be afraid to walk out if you don't like what your hearing.
2. buying a car is work look just go and find the car or truck you want to buy then research it on the Kelly blue book on the Internet it will tell you what it is worth then go and haggle with the dialer on the price tell him that you will think about it then go to your back and ask what they would loan on that car and see what the payments will be they will tell you how much they will loan on it.Now all dealers will come down on there price of a car all of them will.Now once you buy the car let's say you got a 5 year loan on you car if you will make 1 extra payment a year on that car you will pay off that 5 year loan in about 2 1/2 years in stead of 5 years.This does work ya I know it seems weird but it does work.Hope this helps
3. If you want a lower price, the best thing to do is go to your credit union and see if they have a buying service. This is the best way to buy a car. If you don't have this service, you're going to have to go to a dealership - yech! I would find out the car you want, the options you want and the color you want. Go to www.carsdirect.com and see if the price they have is within your budget. Do not use them for your purchase - they will send you to the dealer blind! The carsdirect price is typically a good price and you probably will not match the price. If you try to get the car through carsdirect, you are at the mercy of the dealership, since you are no longer negotiating for yourself - not a good thing. I would contact the dealership you've heard is the least hassle to deal with (don't go by advertisements - they will lie to you). Call them up and speak to a salesman. Get his name and his personal phone number. Tell him what you are looking for and what price you found on carsdirect. Ask him to check to see if they have the car and if they can match the price. If he says yes, ask him to fax the VIN number, MSRP price, selling price, tax, license and any other fees. This must be on one sheet of paper! Take this paper and get a preapproval from your credit union (or any credit union you are allowed to join). Go to the dealership (must be within 3 days of the day you received the fax) and speak only to the salesman you chose, until you have to see the finance guy. If they do not honor this price, demand that they do. If they refuse, call the district attorney and tell him you have an offer for contract that is being refused at xxx dealership. You have a legally binding offer for contract and the dealership must accept it, unless they cancelled the offer in writing or they sold the car to someone else. Do not buy any add ons - LoJack, warranties, etc from the dealership! You can get them at about 1/2 to 1/3 the cost outside. Good luck and I hope this helps.
4. 1. Don't be in a hurry to buy. Plan to spend a couple of days, even a couple of weeks to get the deal you want, not a couple of hours. Be patient, time is on your side. 2. Buy towards the end of the month, or better yet, the end of the quarter. Dealers are anxious to make their quotas at those times. 3. Negotiate the price over the Internet and check several dealers in your area. Work them against each other to get the best deal possible. 4. Figure the price from the dealer's cost UP, not from the list price DOWN. Dealers get incentive rebates from the manufacturers. Some they advertise, some they don't. You can actually get a car below dealer's cost because of these incentive programs. 5. Check Consumer Reports, Edmunds and other automotive sites for tips and data on dealer costs and incentives. 6. Offer less than they want, and be firm about it. Walk out if you have to. Tell them to call you if they change their mind. They most likely will. The last time I bought a new car, I was offered a price of $22,000 plus tax, license, and bs fees. I counter offered $20,000 out the door. It was late in the season. They agreed, but balked when I showed up to do the deal, so I walked. Told them I was going to look at another brand. Fifteen minutes later my cell phone rang, they apologized and met my offer. 7. Unless there is some extraordinary 0% interest deal going on (and you know you qualify), get your financing anywhere besides the dealer. 8. Beware of changes to the contract after you sign..."I'm sorry, you didn't qualify for the loan at "X" rate", or "we made a mistake in calculating the doc fees". 9. Avoid trade-ins if at all possible. Sell your old car to a friend.