Скачать или смотреть How to Negotiate Car Prices & Interest Rates at a Dealership (Step-by-Step Guide)

Car dealerships often mark up interest rates and keep the difference, a legal practice that can cost buyers thousands of dollars over the life of an auto loan.

In this video, you’ll learn how car dealer financing actually works, why dealerships are allowed to increase your APR, and how to make sure you get the lowest possible auto loan rate.

Topics covered include:

• How car dealers mark up interest rates (dealer reserve explained)
• What APR you should qualify for based on your credit score
• How to get pre-approved for an auto loan before visiting a dealership
• How to negotiate car financing separately from the vehicle price
• Which dealer fees are negotiable in the finance office
• How down payment and loan term affect your interest rate
• Why credit unions often offer lower auto loan rates than dealers
• The one question that forces dealers to reveal the real lender-approved rate

This applies whether you’re buying:

A new car or used car

With excellent, good, or fair credit

From a dealership, bank, or credit union

If you want to avoid overpaying on car financing and understand how to get the best auto loan APR, this is a step-by-step, evergreen guide based on how dealerships structure loans behind the scenes.