You don't HAVE to be a military member to get a loan through PenFed IIRC. I think you can donate around $20 to a military family association and become eligible. You'll have to check on the website to be sure.
But yes, you should apply for outside financing and see what kind of rate you can get. Then all you need to do at the dealership is negotiate your out the door price. Once you agree on the price you can see if they can beat the financing deal you already have... if they can... great! If not, then you're already financed so there's no worry.
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- Steve
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