I walked in with a number. I had already gotten a loan from my bank and told them firm 7,000 is all I want to spend. They showed my a few cars and then let me know about a trade in they just got and would let go for my price - 7k. We took a test drive and they filled the tank up for me. I was sold. We walked in and the owner asked if he could get me a better loan, if I would accept. I said sure, but it being from USAA I figured would be hard to beat, but I was wrong. They got me a great one from a local credit union which I later find is easier for me in the long run. I was given GAP options and no bull crap form anyone. I showed up 20 minutes till close and stayed an hour past closed and drove my car home that night. I also got to make a list of thing that I wanted fixed, like interior lights, which they did for free the next week.