[novemp]

> I have only been turned down a handful of times w/this method.

As someone who has only bought two cars in their adult life and doesn't foresee buying more than two or three more before I die, "a handful of times" seems like a lot.

[garciasn]

If you believe it's not worth your time to save $X, then by all means, use dealer financing and don't haggle.

[novemp]

That is not what I asked.