@Mutsy - I know that a car lease is tempting, but the problem is that it is hard to get out of the cycle of leasing and you do have to pay for excessive wear and tear as well as excessive mileage.
I think if you finance your car you can view different car finance options online to see which deal is best. If you go to the manufacturer’s website and look at the dealer locater and put your zip code in, it will give you a list of dealerships in the area.
If you request an online financing quote, they will email it to you so you can have a good idea of what type of payments you are looking at before you even leave your home. This is a good way to negotiate the financing because many people are focused on the monthly car payment, but it is a mistake to stop there.
You should really consider getting the overall price down and then try to negotiate the interest rate. If you have excellent credit you should be able to get a lower interest rate than what the dealership initially quotes you. I did this and after they checked my credit report and they had no problem lowering my interest rate. You never know until you try.