Quote (Archer @ Apr 4 2014 12:59pm)
I have a 20k loan so I can walk in there with a check, how much buying power do you think this can give me.
A lot... You have the money in hand, you could easily leave with the car. So the salesman isn't going to be worried about your credit or whether your available to buy.
Go there and chirp him down, if you don't get the price you want you can walk away and they will most likely call you within a few days and try to get you back at the dealership.