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Cars and Transportation
Reply to "No clue about car loans and financing"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]You can come in preapproved, but if you have good credit the dealer will be able to beat your preapproved rate[/quote] This. You want to go in with a preapproval from your credit union or bank, but generally your dealer will be able to beat the APR with their own financing. Still, you want the pre-approval to make sure they don't shave $$ off of you that way.[/quote] And I should add that the banks and credit unions that finance cars are used to this. You generally don't have to tell them anything about the make and model in advance, you just tell them the dollar amount you want approved, they run your credit, and send you a letter. Then if you end up using them, you call them from the dealer to have them send over the necessary docs.[/quote]
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