Did you notice when you go to the dealers for a vehicle there are certain questions they ask.
1. How much do you want to pay monthly?
This is where you lie to them and tell them 50% lower than what you planned on paying. Then you can deal upward from there if you need to.
2. How much do you owe on your trade?
This is where you lie again, before you get to the dealership go to kelly blue book and look up the trade in value so you have an idea of what it is worth and what you owe. If you owe more than the value tell them you want it payed off. If you don't owe anything or lower than trade in value then tell them the value you looked up. always tell them you owe more than what you owe. always make the deal with the salesman first then adjust prices with the finance department.