Hope you get the deal you want . I learned a lesson on buying my Challenger R/T 6 speed. It was marked up $4,400.00 over MSRP . This is back was Nov. 7th 2008 . I traded a 07 Ram 4x4 and 06 MX-5 GT in . A long story . But I ended up purchasing at MSRP and got a fair trade in value on my trade in's . Considereing no one else even wanted them a month before. With gas $4.00 plus. But with the drop to below $2.00 a gal. on gas . They wanted the truck . The rub was I wanted to stay at a set amount on my payment. Was told the finance company on the truck was doing the loan at a payment close to what I wanted. Ok I signed the paper work . Took the truck to them the next day with titles to both. 4 day's later I got a call the finance company wanted $4,500.00 more down. Not sure if they ever got the financing as I wanted . I ended up getting it on my own as I should have before buying . If it isn't in writing subject to financing term written . Don't sign . The car is yours as soon as you leave the lot . If you don't take it . Is a defaut and as bad as bankruptcy on your credit . A real mess . I'm still very happy I made the buy . And love the car. Thing's are going to get even worse . Be careful on the deal you make . And if you have pay off . Make sure the dealer pay's it off or you may end up having to . Many dealers are going out of business and not paying off trades.