Working on order a new MCS and having some trouble with financing with the dealer. I'm looking to do Owners Choice because I live in Chicago (we pay sales on tax on the entire car plus a 9% city tax on lease payments...insane!).

-I used the MiniUSA.com payment calculator for the exact car I configured at $27,850 with $1350 down as I wanted the negotiated price to $26,500 and the payment was $286.
-I got quoted $340 by one dealer and $330 by another with roughly the same $26,500 selling price.
-I'm paying all fees/taxes out of pocket so that wasn't in the equation.

Thoughts on what I should do? They claim to now know how the website got that number but even each dealer is off!