Looking to purchase a vehicle best way to do it?

Looking to purchase a vehicle best way to do it? I've been approved from my credit union for a loan, but the rate was high. 7% over 5 years. Looking to borrow $50,000. My credit score hovers around 800. My income is well over six figures, have a child on the way, but wife will stay home and currently does not work. Should I go to the dealer and see if they can beat it? Should I put money down?...

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