I'm just back from test driving a Toyota Camry. This dealership - SF Bay Area - is offering 'below Invoice' pricing (from approx. msrp $21,000 down to about $19,000 for the CE model). If they are doing it here, I see little reason why you all can't shoot for similar negotiated pricing if looking for a Camry. Apparently, this deal will be in effect until Christmastime. Form of payment was not discussed.

Good luck!

DD