Honda Financial approved us for the Honda Fit we want. I have since applied for credit a several area dealer to see who will give me the best rate. No one has gotten back to me in 24 hours. This waiting sucks. I know we don't have their top credit number, but my TU is 699 and my husband's is 715. This should be able to get a decent rate, even though our DTI is pretty high right now.
Are you a member of a credit union? You may be able to get a top notch rate there and thus take the financing out of the negotiations with the car dealership. This gives them fewer areas to try to hide profits in.