A. "Going through the dealer is usually the best move these days," says Spinella. "Banks have to make money on their loans, but dealers don't really rely on financing for income."
If you're shopping now, you'll hit model year-end clearances, so you should be able to get a rate of 0% to 2.9% on something the manufacturer is trying to get rid of (read: SUVs). Aim for 4.9% or less on anything else, says Caldwell.
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