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If you have your report (say you ran it yourself recently), you can bring it with you. You'll eventually have to let them submit it to the bank for approval, but that way, you have the car and price that works for you already sorted out.
It sounds like your question is whether that much down payment (from your trade) should be enough. That's a little over 20% of a $25000 car, which should be plenty. Going off of subearu's suggestion, you may qualify for discounts at a credit union if they provide a lower rate for 80% financing (I know mine offers about .5% lower with that kind of down payment).
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