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The Complete Guide to Smart Car Financing
The complete guide to smart car financing in the US—OTD first, shop rate, shortest term you can afford; use affordability, OTD, and payment calculators so you don't overpay.
AutoPremo Team
January 31, 2026
1 min read
Smart car financing in the U.S.: agree on out-the-door price first, shop rate (bank, credit union, dealer), choose the shortest term you can afford—use autopremo.com affordability calculator, OTD calculator, and payment calculator. Use autopremo.com.
TL;DR Smart financing = OTD first, shop rate, shortest term you can afford. Use autopremo.com affordability, OTD calculator, payment calculator. Use autopremo.com.Use the Tools
Use autopremo.com affordability, OTD calculator, payment calculator. Get your numbers at autopremo.com.
Bottom Line
Complete guide to smart financing—OTD first, shop rate, shortest term; use autopremo.com so you don't overpay.