I negotiated financing at the same time I negotiated the sale, before I took delivery. Honda Credit rates weren't as good as my local bank. I got the dealer to work with one of their banks to match my local bank rate. That way they got to make a tenth or two and I got to turn the deal around quickly without any work on my part.maybearidge said:My truck is here but the dealer had told me when I ordered that he could beat my Credit Union deal...he wasn't even close. Has anyone else noticed that the Honda financing seemed much higher??