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[quote=Anonymous][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.
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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]

You're welcome.  Just know the numbers going in.  Just make sure the zero percent financing does not end.  Credit union rates are terrific.  It got me into my first post-college car.  I don't need them anymore but it's nice to know they are there.  My mortgage company even matched my credit union's mortgage rates several years ago when refinancing.  At least this way the dealership knows you have options and are not wedded to their financing.  Good luck.[/quote]

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