<prompt> Human: Long time lurker, but I wanted to share my recent experience trying to buy out the lease on my 2012 Chevy Cruz from the dealership. From all the posts that I have read on rpersonalfinance regarding financing cars, I knew that I needed to do my research and know going in what APR I should get with my credit score and credit history. After finalizing the remaining balance and looking around online at different financing offers from banks and credit unions, I knew the range of APR I should be getting. I applied for financing with the dealership hoping that I would get a low rate so I could continue paying their bank. Once I had meet with my salesman, he reassure me I was getting the best rate since my credit score is above 800. This was giving me hope. I sat down with the finance manager and then he showed me the rate, which was more than 2x what I knew I could get elsewhere with my credit score. He tried to sell me a story about how the limit on my credit cards are too low, even though I have had my credit cards for over 10 years and 0 credit card debt. I had to hold back a chuckle. I thanked him for his time and left. I left feeling taken advantage of. Even though I didnt ask, I wonder how much they marked up the rate. So I went to a local credit union that is a couple blocks away from my house and applied for an auto loan through them. To my surprise, they actually approved me for an APR lower than what I was expecting. I go in today to finalize the sale with the dealership and figured out I am saving over 500 going through the Credit Union. So dont think that dealerships have the best for you in mind, shop around. You might be surprised with better offers out there.  <response>: So dont think that dealerships have the best for you in mind.After reading that:I had to hold back a chuckle. 