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.
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2002 TiAg M3 6mt
deoranged, dechromed, led tails, ZHP knob, UUC SS v3, GROM, OEM 220M 19's, Michelin Supersports
2006 YZF-R6, bunch of go-fast stuff