^^ everyone, please keep in mind that the finance 'managers' in dealerships are usually very successful sales staff that have been promoted to that position, and do make good money the 'easy' way, compared to the rest of the work staff at the dealership. They sell incredibly high profit margin products (interior 'protection' plan, extended warranty and maintenance plans, exterior paint protection, higher interest rate car loans, etc.) and they receive a good commission on it. When you buy nothing extra from them, you are basically wasting their time.

Once you have haggled your way with your car sales person and his/her sales manager, etc., you think the whole deal is done and over with, and you are taken to this nicely dressed finance 'manager' with a nice desk and a nice office, and the last thing you expect is being ripped off by this person. Well, you will be, big time, if you don't know what you are doing.