<prompt> Human: My wife and I just went to a Honda dealership to purchase a new car. Researched for a while and found exactly which car I want. After haggling for a bit for the delivered price of the vehicle down where I wanted it 39,999Our credit scores arent great 650 and we came into the situation well aware that we couldnt get 2 or anything like that. We have 20,000 to put down so the loan is only for the other 20.The lady in the financing office made me pretty skeptical by contradicting herself several times. She said the car we just paid off wouldnt positively affect our score once it reported we paid it a week ago but then went on to say that financing this car would help our score considerably.She also stated that she had other bank options that would get a lower rate but the one she was recommending required less work on our part to verify information. When we asked to look into those options at the end she said it wouldnt make a difference in our rate. I walkedI make 90,000 a year and my wife has disability income of 17,000 a year. I could just save the extra 20 by the spring but we need the bigger vehicle 3rd kid on the way Is that rate realistic or could I do better? Im speaking with my bank Wells Fargo and going to ask around a few banks Ive used in the past. If this is about all I can get with where my score is then I get that, but was led to believe by other friends in the same score range that I could do better  <response>: They tried to pull one over on you, you made the right decision. 