CAR BUYING HELP PLZ.?

Avoid dealer financing. (Unless its a brand new car for 0% and then only if you have compared the discounted cash price to the 0% finance rate)

With that much down, great credit and that long on the job, lots of places will finance you. So shop around. Even consider joining a credit union where you are not a member if they have the best rate..

Sell your old car on your own.

Avoid anything else the dealer tries to sell you. No extended warranty, no gap or anything. That stuff is never worth what they charge and if you insist on it, a credit union usually sells it for a lot less.

You should also try cutting out the dealer and buying from a private party for the best deal.

You can ask your bank what kind of interest rate they'd offer.

Before that, decide on what car you want. All dealerships offer different financing options. Some use an associated bank and some have their own financing companies (such as Nissan Financial).

Dealerships often offer good financing deals on new cars (and sometimes used, but the interest rate is almost always higher on used cars), especially when they're trying to clear out last year's models (like now).

I once financed a car at 0% through a dealership because I financed if for 3 years, instead of 5. You can look into those things.