Know your rate
Know your rate
If you wait until you're talking to a salesperson to find out what kind of financing you qualify for, you're likely to expend precious mental energy on calculating monthly payments instead of negotiating your bottom line.

Before you head to the showroom, explore other financing options, including credit unions and your local bank, which offer some of the best rates on auto loans. Then see if the dealership's finance office can make you a better offer.


By Peter Valdes Dapena @Money - Last updated June 06 2012: 3:56 PM ET
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