I'm new to this forum, but most are getting prices that are a bit lower, and they do not require dealer financing. I just ordered a RAM and I ended up with 5% below invoice (plus incentives available at delivery). I think other members are getting lower prices than me, but I'm happy with it. I will have some transport costs to get the truck home, but it is still much cheaper than my local dealers.
The dealer financing is a bit of a risk- if they gave you a low price, they can make up for it by quoting you a high interest rate.