personally i'd recommend buying one of those packages you can get online which tells you dealer cost on everything. They will usually put you in touch with someone who will sell you a car at or just over dealer cost. (Dealer cost is subjective, most dealer profits come from volume discounts).
Financing you just gotta do the math and know what you're paying.
I run a canadian HID kit company, if you have any questions about hid kits in canada or would like to check out our products please contact me here: http://absolutehid.ca
Hot: 2001 Estoril M Roadster
ZCP 19's michelin supersports, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt ZCP 19's michelin supersports, deoranged, dechromed, led tails, ZHP knob, UUC SS v3, GROM, OEM 18's w310's,
fun: 2006 YZF-R6, black