Buy a new car ordeal, how to get the best deal?

They played the oldest tricks in the book. First offer, $2000 down and $309 a month. We said no. Salesmans reply "if you want me to call the owner to give you a discount you have to say you will buy it tonight"

We said we're not "on the spot buyers" give us your best deal and we'll mole it over. He said "that's not how we work, if I'm going to call the owner we need a guarantee that you will sign tonight"

We walked out. They met us in the parking lot. With 0 down and $250 a month.

After all this negotiation on payment we realized we were paying full sticker price.

Salesman said for a 2016 Honda Civic EL-X with NAV costs $25,500 and he is selling it to us for $23,500

Kelley blue book says that car retails between $21,500 and $23,500 (another scam lie)

We left cause my wife has no credit but makes $20,000 a month (she's a doctor) she said no to me co-signing that night (I have a credit score of 767)

If we go back with me co-signing with a 767 credit score and my wife's monthly income of $20,000 a month…

could we negotiate a total price of the car at an even $20,000

so my main question is can they sell a 2016 honda civic el-x with nav MSRP 23,500 for $20,000? (they are going to lie and say the MSRP is $25,000) but no matter is $20,000 too low for them or could we go any lower?

You make 20K per month and need to finance? First save up enough to pay cash. Next use an online service to determine the correct price. Then if you don't get it walk. That will work especially if you go at the end of the month to a high volume dealer.

No, they can't, and they will not accept an offer for $20,000. A Honda Civic EX-L Nav has an MSRP of $25,535. Dealer invoice is $23,777, and holdback is around $800. That's it. There are no incentives for the 2016 Civic. Your information on KBB is wrong. In fact, after booking out the car on there, I came up with these numbers: http://www.kbb.com/...w&options=

You should be able to get approved, but you need to know that the dealer is NOT going to take a loss on the vehicle. You can get invoice, minus some of the holdback, but they WILL make money. They don't NEED your business, and they're not going to beg for your $300-$500 deal. You do realize that the way they changed your payments was by either extending the lien, or showing you a lease, right? They weren't cutting the deal.

Before you accuse the dealer of lying, you should get you facts straight, and realize that you don't know as much as you think you do…

Yeah… $20,000 per month and you're struggling to get financing on a Civic? This smells like some kind of odd version of trolling, but I won't pretend to understand it.

A doctor fell for you, even though you don't know how to form complete sentences and use basic punctuation?

Honda very seldom drops more than $500 or so off MSRP. They sell enough cars that they don't need to take that kind of hit.

Buy via Costco. Or truecar.

No dealer is ever going to give you their best price so you can shop it around for someone to beat it. The only way to buy a car is make a fair offer and be willing to buy on the spot.
99% of shoppers buy elsewhere.

PS, you don't have a job, you sleep until noon or later, what makes you think you qualify to buy a new car?

Walk away

Do talk to these people. Ever.

Best way is using a web site like edmunds, true car, sam's club, costco, kelly blue book etc. This way you will have a very good idea of what the car you want should cost you. If you don't use these you'll have to go in and bargain and usually you lose, because they know you have no idea of what you should pay so they will give you all kinds of reasons they can;t lower the price, by having your info with you they can't do that.
one of best sites is true car, they will give you 3 dealers in your area that will sell you the car you want for a certain price, you don't go to dealer at all until they contact you with the price they agreed to sell it to you for. No hassle buying for sure.