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Money and Finances
Reply to "Stupid car loan/car buying question"
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[quote=Anonymous][quote=Anonymous]But you can often get a lower rate than the dealership through a credit union. At the very least, go on the credit union's website and look at their rates for car loans. I have had the best luck negotiating my car price without discussing monthly payments. I paid cash for my last new car but when I was younger, I first sought out the overall price I was looking for and dealt with the loan myself. In other words, you usually have a few days to do the loan paperwork after securing a price at the dealership. Good luck. Edmunds.com is great in terms of knowing a fair price for the car you want in your area. [/quote] Thanks! The credit union rates are pretty low, 2.35% plus like .25% off for joining the credit union. That is for used, I think from my research used loans are better with CU and new better with dealer, since they offer zero percent financing. [/quote]
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