Negotiating Car Price vs Financing Separately

Negotiating car price vs financing separately in the U.S.: agree on out-the-door price first, then shop rate and choose term—so price and financing don't get bundled and you overpay. Here's negotiating car price vs financing separately.

TL;DR (1) Negotiate OTD first—selling price + tax + fees. (2) Then shop rate (bank, credit union, dealer)—use the lower APR. (3) Choose term based on what you can afford. Don't let dealer bundle price and financing. Use autopremo.com OTD calculator and payment calculator. Use autopremo.com.

OTD First

Negotiate out-the-door price (selling price + tax + fees) before discussing financing. Use autopremo.com price checker and OTD calculator. Get your numbers at autopremo.com.

Financing Second

Once OTD is agreed, shop rate—get pre-approved; compare to dealer; use the lower APR. Choose the shortest term you can afford. Use autopremo.com payment calculator. See payment at autopremo.com.

Bottom Line

Negotiate price (OTD) first, financing second. Use autopremo.com OTD calculator and payment calculator so you don't overpay.