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How to save cash on car loans financed through a dealership Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to help you make better financial choices by offering you interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct your own research and compare data at no cost to help you make financial decisions with confidence. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that compensate us. This compensation can affect the way and where products are displayed on this website, for example such things as the order in which they may appear within the listing categories, except where prohibited by law. Our mortgage, home equity and other products that lend money to homeowners. This compensation, however, does affect the information we publish, or the reviews that you see on this site. We do not contain the entire universe of businesses or financial offerings that could be accessible to you.



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2 minutes read. Published September 16, 2022
Written by Allison Martin Written by

Allison Martin's work began over 10 years ago as a digital content strategist. Since then, she's been published in numerous prestigious financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers feel confident to take control of their finances with precise, well-researched and well-documented facts that break down complicated subjects into digestible pieces.









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If you make an application an automobile dealership, they will compare the application with lenders within their network to determine if they are a good match. You can also get financing on your own with the credit union, bank or an online lender. If you decide that is easier or prefer to benefit from incentives they offer, there are actions you can take to ensure you get the best deal when you take out an auto loan. There are four ways to save money when financing your car with a dealership Shopping for a new car can be stressful and with competitive terms can be challenging when you're short on time. Fortunately, there are ways to save money when financing your vehicle through a dealership. 1. The best way to get a down payment is through auto loans that have low rates of interest generally go to people with excellent or good credit. However, that is not the only method to secure a great deal. It is also possible to offer to minimize the risk the lender will assume through financing the vehicle on your behalf. In addition, you'll lower the cost of interest over the course of the loan as you'll be financing a lesser amount. 2. Find out the price at the door auto salespeople focus on the monthly installment instead of the purchase price when trying to convince customers to take advantage of the bargain. However, here's the issue The fact that a low monthly payment is likely to mean that you get an extended loan period and that the lender will have several years to recover interest unless you pay the loan early. Therefore, it is important to be aware of this. 3. Be ready to walk away when you are in love with a car You must be ready to leave if the numbers don't work for you. If you stay within your budget, you could even find out that the seller is open to returning to the drawing table to make get a better deal. 4. Use lender quotes to negotiate If you were with a better rate through your bank, credit union or an online lender The dealer may offer to match the rate. Sometimes they may offer an even lower rate in order to win your business. The best time to stay clear of dealer financing While it's an option that is convenient, it's not the best choice. If you've got bad credit or a high ratio of debt to income, you're more likely to secure financing with a credit union or bank, rather than dealer-arranged financing. Or maybe you are in a dealership and they're not able to match an offer that you have received through your lender. If that's the situation, it's recommended to not take advantage of financing at the dealership to save money, regardless of whether the dealership is offering a lower monthly payment. Be aware that you'll pay more in interest if you extend the loan for a long time. Another reason to search elsewhere to get the loan is a pushy dealer. While it's important to make the sale and ensure that you have the financing in place to achieve your goals, they should also be willing to offer you a little time to obtain a rate quote from your bank. If they're not willing to accommodate this request, that's your sign to move on. The next step is to purchase a car. is a major purchase that requires you to take all the proper steps to secure the best deal on financing. It is possible to save money when you choose to get a loan from a dealership. Still, some circumstances would necessitate you to search elsewhere. Ideally, you want to take out an auto loan with a low interest fee, no fees, and a monthly payment that is within your budget, no matter the route you choose to secure financing. Find out more


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Written by

Allison Martin's work began over 10 years prior to that as a digital content strategist, and she's since been published in several leading financial outlets, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to control their finances with concise, well-researched, and clear data that breaks otherwise complex subjects into digestible pieces.






Auto loans editor




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