Topic of the Day: my best (and actually, only) new car experience was 11 years ago, just like BK. My previous car, a 1989 Subaru Justy had died a slow and painful (financially, to me) death. I had to get a new car and one day, my sister and I were driving around to different car dealerships. We went to a local Ford dealership and they were having a deal...only 0.9% interest and no down payment! We looked at several different cars (and I got to sit in the fairly new New Volkswagen Beetle...my very first car was a 1976 SuperBeetle), but I ended up only test driving the Ford Escort. It was quite nice. I said that I would have to think about it and talk to my financial adviser (my mom) and she came back with me the next day. We told them that I had a Costco card (which I did) and the deal with Costco was that there was no price haggling, you just play $100 over the invoice price. That, plus the 0.9% interest deal AND the no down payment deal sealed it! I filled out the forms and financed through Ford Credit and drove my new car off the lot. They did take my Justy in trade, but they only gave me $200 for it. But then, $200 is $200.