Originally Posted by DEpointfive0

You're gold, I went in with 11k and borrowed 22k just to help my credit more...
And I had 11 months of credit history
Go to your bank first and get a loan estimate from them... And tell them how much you're putting down in exchange for the loan, rub that in, they should give you a credit bump
(I don't know what POS 370 you're buying for $22k out the door... But whatever)
And if/when you go to a dealer, TELL them that your bank has given you a loan rate and make sure they bump you down as much as possible because you're putting so much down on the price of the car.