By what metric are they the best team ? I mean i would go with the defending champs or the team with the best record . Spurs are one of the best nd have had one of the hardest schedules . <| sep |> The knife is garbage . Shovel up . <| sep |> And that ' s sensible ! When a woman gets in the car of a stranger , we call it dating . When a child gets in the car of a stranger , we call it abduction . There ' s a pretty blurry , fine line there ! <| sep |> If you go in saying you want $ 14500 down plus $ 325 mo at 0 % for 60 mo , they may counter with $ 340 mo , meaning you pay $ 900 more over the life of the loan , but they can sell that as what , you don ' t have an extra $ 15 month to spare ? Either you need to put more money down , increase the loan term , or buy less car . I guarantee every offercounteroffer you get from the dealer will be calculated as how much profit will they make over the long term . Payment structure is just a game they can play to make you pay more . So if the dealer is willing to sell the car for $ 34 k , they should be fine structuring a payment plan that adds up to $ 34 k . My suggestion is to negotiate total price first then work towards a payment plan . Don ' t think you ' ll be able to pull a fast one on them for negotiating with a payment plan first . If you go with your payment plan negotiating route , know your numbers and formulas so you can calculate the total cost of their counter offer . Best of luck in your negotiations !