Reply to Help - I've never had a car loan

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[quote=Anonymous]If you decided what car you want Google an online forum dedicated to that car. There is almost always one and they would usually have a discussion of prices paid recently.  So you would know what you can reasonably negotiate out the door. It could be a little different by state. State tax is of course different but also the dealer fee. In MD it is lower than VA so you may save a few hundreds buy buying from an MD dealer.

Regarding a loan it is best to come with your own. Some banks have online apps that would preapprove you and you can do that without climbing out of your bed. Then if the dealer can beat your rate great otherwise just stick with your loan.

And whatever you do don’t buy an extended warranty or other things they will try to sell you other than the car. They overprice these things sometimes 200-300 percent. You are tired after negotiating the car price and loan and that is when they get you with extended warranty, car paint protection and such at ridiculous prices. If you wish you can buy them later at a fraction of the price[/quote]

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