You want to buy a new car. The dealer will sell it to you for its sticker price of $27,000 with 0% financing and monthly payments for However, you know the price is negotiable if you refuse Your bank offers new car loans at a 6% rate for 3 years. How much lower should you negotiate the car price, in 3 years. the 0% financing offer. compounded monthly. order to save money financing with your bank instead of the dealer