If you don't really need that car, I would recommend you not to buy it if you need to finance it. If you need to finance it's telling me you already have insufficient savings and this purchase plus all the interest you'll pay will bury you further in the hole. But if you decide to finance anyway, at least get a pre-approval online so you can get the best rate possible. I'd try Chase.
https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/caf/home/page/auto_finance_home

Also never negotiate a car's price in terms of monthly payments. That's the guaranteed way to waste money. The only thing that matters is the total purchase price.

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2004 VW Jetta TDI (manual)

Past MB's: '96 E300D, '83 240D, '82 300D, '87 300D, '87 420SEL