Like others have mentioned, you should get a pre-approved loan from credit union so you can go into negotiations w/ some ammo. Dealerships tack on their percentage as well to your interest.
Be patient; there are thousands dealerships and Z's that are willing to gain your business. You will find one for the right price. Don't sound too desperate when you go to negotiations, be ready to say "no" and put the ball back in their court. If they mention that you can't purchase a Z for this price anywhere near your location -- tell them you're not against purchasing out of state. Typically, when you make your 1st offer, they will respond w/, "we can't go that low". Don't budge from your 1st offer, get them to come down, this will give you an advantage. Be ready to say "no" and walk away.
edit: also, 10% and 22K is too much.
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