[VenomZ302]

I think you misunderstood my question. At the very least you didn't answer it. It's a simple question and I've heard both sides to it, so which one is the "right" way to do it?

My car's completely paid off, so let's say I can have 27K between that and my down payment. Do I:

a) Apply for a $35,000 loan since it's the total price of the sale and then simply pay the $27,000 to the credit union?
b) Apply for an $8,000 loan and then simply give the rest to the dealer?