<prompt> Human: Im looking at buying a 2018 Chevy Equinox. Right now the car I want is 34,215. This price is before any negotiations or anything so hopefully it will be even lower.I have 10k-11k to put down for it. My credit score is currently 766-767. Current salary is a little over 36kyr. No debt. Minimal expenses.  <response>: I hope you dont need us to tell you this, but if you do: 10k will get you a perfectly nice used car. Imagine making those car payment into your savings account instead of a car loan.If you insist on financing a car despite this, the answer is: if you can get the same low rate through your own financing, do that. Dont give the dealership a chance to screw up the paperwork as they often do. 