If you feel the truck is really what you want, I'd ask him to "meet in the middle" and offer 35500. 37K is not bad either IMO. If you finance and have your own financing for x% APR, tell the dealer you can go with his financing as a favor (they get a cut from their banks), as long as he can match your financing APR of x% - 0.5%, as there is no way for him to know your APR is x% and not x-0.5% (you can subtract more, but an experienced sales rep will know you went too far). I'd start with your financial institution (if they do auto loans). Or you can do pre-quals online also, (search for "Bank Name new vehicle loan rate"), for example Chase and Citizens had a decent APR few months ago. Major banks that do auto loans: US Bank, Chase, USAA, Bank Of America, Citizens Bank, Citi etc, some may or may not do business in your area.