<prompt> Human: Morning everyone. Im eyeing to get a Subaru BRZ, my first car purchase. Im trying to calculate how much I would have to down pay to make my monthly payment 300-400 for a 60 or 72 month period.When you go to the dealer do they run your credit and determine from that what your APR is? I have a discover credit card and they give you your FICO rating each month not sure how accurate it is though and mine has been in the 760-790 range for the past 2 years.Anyone have an idea what ballpark can I expect my APR to be so I can do a little calculation before I visit the dealer to find out?  <response>: You are not required to finance through the dealer. YOU ARE NOT REQUIRED TO FINANCE THROUGH THE DEALER!Go to a local credit union, a bank, an online bank, maybe a few - you can get multiple finance offers and pick the best - then the dealer cant screw you on the interest rate and you become a cash buyer who can negotiate on total price alone, and not on payments. If you cant get the special finance offer of 0 or 1.9 or whatever the manufacture advertises, then the dealerships will go run your credit across every bank in town, and they wont give you the lowest rate, they will give you a high rate, and often they will keep the difference as profit. On new cars, some manufacturers still do 0 offers, while some dont. Less than 2 APR seems to be a good target for excellent credit but that does depend on more than just your FICO. 