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Do u think i should just walk in and say i want payments lower then 450 and let them try to get there?
Pricing a car through the payment method has got to be the worst way to go about it. Get the price down and the math on the monthly payments will work itself out.
$20K loan amount for 60/months at 5.5% will get you about $382.02/mon
$24K loan amount for 60/months at 5.5% will get you about $477.51/mon.
So how much are you willing to pay for the total car again? (Rhetorical question) Do the math and you'll see what $450/mon will get you for the total price of the car.
Sounds like you are not ready to purchase a car yet. You need to do more searching and research.