I would have a second rate before I bought the truck anyway. So going in with the rate for them to beat would work in your favor. A lot of dealers may give you a "decent" price on the truck and then screw you on the rate. They do this by saying you qaulified for a 5.9% rate when you actually qaulified for 3.9% and then they pocket a little extra profit from the bank for selling a loan at a higher rate. NEVER TRUST A SALESMAN. Their job is to sell the truck, they don't care about you, only the sale.