[Jimbo]

[ QUOTE ]
My credit union, which is very helpful, told me that the "loan value" of the van with the options and milage is $16,900 - this is supposedly the amount the dealer would pay if he bought it at wholesale auction, and this is where the credit union suggested I open negotiations.



[/ QUOTE ]

Auto dealers don't loan money and Credit Unions don't sell cars, there is a reason for this. Go back to your credit union and tell them the car salesman says they only pay 3% interest on the money they loan you at 6% so you think you should only pay 3.01% interest and see what they tell you.

Jimbo