Ok, so I make a deal on a Cadillac XTS...I get into the financing department and something strange happened. I told them that I wanted to go with my credit union and I knew beforehand that they dealt with this credit union a lot. So as the papers are drawn up, I casually mention my credit union. The finance guy looks over at me and said that this loan would be with another bank. I asked what the APR would be and he told me it would be .8% higher than what I expected. Not a huge deal but I still asked if I could go with my credit union. After going back and forth for awhile, he then said well, what if I got you down another 1.3% which turned out to be 2.5% with this bank. I said ok. I've been buying new and used cars for decades. I just don't understand why this guy offered this lower rate after I insisted on going with my credit union. I understand kickbacks and certain deals financing may have with certain banks but what bothers me is why didn't he offer this right off the bat? It irks me that I even had to wheel and deal an APR? I have Tier 1 credit so from now on, I might as well just get the financing on my own. I never thought they could do that.