First off, I did TONS of online research before buying the car.

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I got $16,313+tax/tags for a BSP '09 Fit Sport M/T and I only spoke with one individual on the phone. I walked in, showed my credit scores and immediately signed a loan for 4.99%, 0 down. The whole transaction took about 30 minutes.

I can only say that it was a very pleasant, NO Bull Sh*t transaction.

My only suggestion is to be sure that you are very well prepared when you go in to buy a car. The salesman will read that in the first 5 minutes and move on immediately to the number crunching.