It all depends on which captive finance company the dealership is using.
My recommendation would be to go through your credit union. That is your best bet for financing right now. Plus, you might get an extra incentive from the dealer to finance it yourself (I've heard of dealers offering additional $3K off or cash back for this option). If you don't belong to a credit union, try your bank....but credit union would be better. Join a local one and go through them.
Auto sales divisions and dealers have been shying away from their own captive finance companies (such as GMAC, HMFC, Ford Motor Credit, etc) and going toward the more solid lenders in that area like Chase, who seems to be sweeping up automotive business, but also considering leaving the captive finance game at the same time.
Dirty's Minions don't officially exist. They are a myth, a bedtime story, a whispered rumor. They are ghosts.
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