Expert advice to help you make smarter car buying decisions. From budget planning to ownership costs, we've got you covered.
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Best financing strategy for car buyers in the US—OTD first, shop rate, shortest term you can afford so you don't overpay.
Credit vs cash buyers who gets better deals in the US—dealers sometimes prefer financing (rate markup); cash can simplify but negotiate OTD first.
Dealer financing vs bank financing in the US—APR, convenience, and how to compare so you get the best rate.
Financing a used car vs new car in the US—APR, term, and total cost so you compare and choose.
How to improve your deal score in the US—pay at or below fair value, get OTD in writing, negotiate trade and financing separately so you get a better deal.
Is cash really king when buying a car in the US? How dealers make money on financing—and when cash helps or hurts your deal.
Is dealer financing bad in the US—dealer can mark up rate; compare to bank/credit union and use the lower APR so you don't overpay.
Negotiating car price vs financing separately in the US—OTD first, then rate and term so you don't overpay.
Negotiating when you have bad credit in the US—OTD first, shop rate, don't let dealer bundle price and financing so you don't overpay.