Do your research online or in person for the model Z priced with the options you want. Get your pre-approval from a bank or credit union (credit unions can normally provide a better interest rate), prior to negotiating the deal. Utilize a loan calculator to determine the actual cost and your monthly payment desired.
Once you have been pre-approved, you will be provided an approximate interest rate, and the amount of money you have been conditionally approved for. Meet with the dealer, negotiate the deal closest if not less to, the amount you actually want financed and if satisfied, ink the papers.
When the dealer ask to shop for your financing, allow them to search, but never reveal what interest rate you have previously been approved for. If they can find a better rate, and you are pleased with the company offering financing, ask for part of the kickback that the dealer will get back from the finance company.
I don't normally take possession of a vehicle until the car has been funded by the lender. Once possession is taken, the deal is binding and any chances of a refund is taken away in the event something goes wrong.
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