
Refinance and Save-Up-To 2%!
From now – the end of 2025, refinance a qualified auto loan from another lender with us, and we may be able to lower your rate up to 2%! 1
The NIH Federal Credit Union offers new and used vehicle loans, plus refinance options for a wide variety of vehicle types.
From now – the end of 2025, refinance a qualified auto loan from another lender with us, and we may be able to lower your rate up to 2%! 1
Great low rates currently as low as 4.99% APR1 for new vehicles and 5.24% APR1 for used vehicles and refinances.
Terms up to 84 months
Finance up to 125% Loan-to-value 2
Defer 1st payment up to 90 days 3
Skip-a-payment every 12 months 4
Save time and money with our Online Car Buying Service
Exclusive rates on insurance & protection programs
Special options for Visiting NIH fellows are available
Estimate your payment with our vehicle loan calculator.
Our Sign Today And Ride Today program is better than a traditional pre-approval. Not only do you get the assurance of being a cash buyer, you can also close your loan at the dealership. Here’s how:
Apply for NIHFCU financing and request your START Express Draft
Bring your START Draft to the dealer and shop like a cash buyer
Close on NIHFCU financing at the dealer. Fill out the START Draft and let the dealer take care of the rest.
Drive off the lot with your new vehicle
Shop for your next new or used auto with our complimentary, no obligation Car Buying Service, with special member pricing at convenient dealerships, nationwide. 8
We finances new and used motorcycles as well!
Great low rates currently as low as 7.49% APR1
Terms up to 60 months
Financing up to 100% Loan-to-value 2
Skip-a-payment every 12 months 4
Member rates on insurance and protection programs
Use our vehicle loan calculator to estimate your payment.
Affordable and easy options to protect your assets and your family. Learn more about Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC) and Debt Protection with NIHFCU.
Exclusive discounted car insurance rates from Liberty Mutual, through our partner, Trustage® You could save an average of over $700 6,7. Get an online and no pressure instant quote!
The loan application was a simple and fast process. The staff was very friendly whenever I called to ask questions about the loan and how to start paying it back. Overall, it's been a great experience.
Kim
College Park, MD
Which side is the dealership finance office on (hint: it is not yours)? |
---|
With every new vehicle purchase, the dealership has three separate chances to earn a profit, including on a trade-in, on the purchase price of the vehicle and in the financing process. The sales team is responsible for the first two while the finance manager is responsible for the third. However, the sales team and the finance team often work together to make sure the deal is as profitable as possible for the dealership. For the dealership, it is always better to convince the consumer to finance the purchase in-house – especially when the customer has a suboptimal credit profile and is required to pay a higher interest rate. Finance managers may also add to the interest rates quoted to them by lending partners, or they may encourage customers to take on a longer loan with a slightly higher interest rate. The latter strategy results in a lower monthly payment for the customer but an overall increase in profits for the dealership. Many dealerships offer their finance managers commission or other incentives for selling extra products or longer loans. Getting approved financing from the NIHFCU before you go to the dealer is great move as you have an honest, straightforward and great package in hand! |
Common tricks to avoid at the dealership |
---|
Here is a list of some common tactics used by dealers to maximize their profits…at your expense. The credit deception
The single-transaction strategy
The payment ploy
The sticker shenanigan
The holdback hustle
The financing four-flush
The insurance illusion These could be, and often are, very important coverages for certain buyers. You’ll want to understand what you’re purchasing and have the opportunity to decline it and shop around for better prices. The mark-up on these policies at the dealership can be enormous, in part because the insurance companies that sell the policies to the dealerships offer them huge incentives — everything from cash to first-class trips — to push the policies.
The rate razzle-dazzle
The rollover ruse
The long-term trick
The balloon bamboozle
Bait and switch
Contract cons
source: www.bankrate.com/loans/auto-loans/dealer-tricks-to-avoid/ |
9 things NEVER to do at the dealership |
---|
Buyers often cited “dealer negotiations” as the most dreaded part of the entire buying process. That’s probably because most buyers are unsure of what to say, how to act, etc. Here are some things you shouldn’t do at a car dealership. Don’t Say You “Love This Car” That doesn’t mean you need to act stoic and unimpressed, but keep your feelings close to the chest. Let the dealer know you’re interested, but if you can’t get a good deal, be sure to tell them you’re obliged to keep looking around. Don’t Be Flashy or Divulge What You Do The best practice is to just avoid divulging any information about yourself. Keep it mysterious, even if a salesperson asks what you do for a living (which they probably will). A dealer probably won’t up-sell a minimum-wage worker, but they’ll have no qualms if they’re dealing with a neurosurgeon. Don’t Tell Them Your Limit On Monthly Payments If a dealer asks you what you’re comfortable paying every month, tell them that you aren’t comfortable discussing that until you both have determined the overall price of the car. Always deal with total price before you talk about anything else, because things can get confusing otherwise. Don’t Ask How Much You’ll Get For Your Trade-In If you throw your trade into the negotiation, a dealer can leverage that to confuse you on how much you’re actually paying for the car you’re buying. Also, if the dealer knows he owes you a set price on a trade-in, it might be tough to get him to help you out on lowering the MSRP of the car you’re buying. If the dealer asks if you’re trading in, just say you’re considering it but haven’t decided. Don’t Say “I’ll Pay With Cash” Or “I Have Financing Secured” Don’t Fall For The Good Guy/Bad Guy Routine These lowball offers and inflated trade-ins are always squashed by the manager. Often times an agreed-upon number might be “lost” or “forgotten.” If the dealer refuses to honor an agreed upon price, walk. Get everything in writing, always. Remember, the dealer personnel are trying to get the best commission possible for themselves. Don’t Allow Them To Force “Extras” Or Add-Ons Check the financing and the sell-sheets closely so that you know which add-ons are unnecessary and which ones you should consider. Things you should never be charged for are doc preparation fees, fees for “customer service,” and hidden loan acquisition fees. Be sure to check out NIHFCU’s protection programs to avoid inflated costs at the dealer. Don’t Let Dealers’ Complaints Deter You Just remember this: No one works for free. The dealership pays a minimum wage (and usually more), and as they usually make extra through commission, a salesman never works for free. Also, no matter what a dealer sells a car for, they always get a flat fee commission, regardless of price. Your best bet isn’t to get cynical or aggressive, because that can work against you, but definitely put your foot down and don’t allow yourself to be haggled. Don’t Let Your Emotions Get The Better Of You source: hotcars.com/9-things-people-should-never-do-at-the-dealer-and-8-ways-to-get-the-best-deal/ |
8 Things TO DO at the dealership |
---|
Likewise, here are some things TO DO at the dealership to help you get in your car with a great deal. Do: Be Wary When Dealers Start Talking About Monthly Payments Clever salespeople might also focus on low monthly payments so they can inflate other variables, such as length of terms and sales interest, which will increase dealer profits while making sure you spend more on the car overall.
Do: Get Your Own Financing To Save On Interest Rates You will almost always save on interest rates this way. Don’t be talked into working with a dealership’s in-house financing program—even if they say you can save, you’ll most likely always be able to find better financing outside of the dealership. If you do borrow from a dealership, you’re then at the whim of the dealership. When you’re negotiating a deal, particularly the price of a car, having your own financing will save a lot of hassle down the road. Do: Your Research Dealers are trained to keep you in the door, once you’re inside. You can skip this whole step if you already have a plan, a price-point in mind, and are ready to barter. Most dealerships have online inventories, so that’s a good place to start looking for the models you’re interested in.
Do: A Vehicle Inspection Inspect the trim lines of the car to make sure they’re straight—no fluctuations, offset doors, fenders, or uneven lines. These could all indicate frame damage. The joints should be straight around the engine bay, with no signs of recent welding. Look for rust underneath the car, in the wheel wells, on the rails, everywhere. Rust is not a good sign, and oxidation should be a sure turnoff from buying that particular car. Do: Test Drive It And Ramp It If they won’t let you ramp it, at least take it on the highway. Be sure to brake quickly (though not on the highway), turn corners sharply (but safely), and accelerate hard. You don’t want the car to be shaking when it’s going fast, that could be a sign of bad alignment, or other things that could cost you a fortune down the road. If the pedal is spongy when you brake hard, that could mean bleeding. Do: Always Be Aware Of Your Credit Score The best thing to do is to pull your own credit score for free, and know your score before you step foot in a car dealership. When you know your credit score, you can shop around for financing and find a better deal.
Do: Know The Dealer’s Invoice Prices The invoice price is also referred to as the “dealer cost,” which is the price that appears on the invoice that the manufacturer of a car sends to the dealer when the dealer receives the car from the factory. A recent car survey on Kelley Blue Book said that knowing the dealer’s invoice can save an average of $800 on your buy. TrueCar, Kelley Blue Book, and Edmunds.com can all help you find invoice prices and what your trade-in is worth.
Do: Always Comparison Shop At Multiple Dealerships One method to consider is to email all the dealers around you and say “I plan to buy (enter car) today, and I’m going to buy it from the dealer who gives me the best price. What’s your best price?” Straightforward and to the point.
source: hotcars.com/9-things-people-should-never-do-at-the-dealer-and-8-ways-to-get-the-best-deal/ |
14 common adds-on. Should you buy from the dealer? |
---|
Dealers make a lot of money convincing buyers to take expensive add-ons. If you don’t have time to thoroughly research, it may be best to pass on them, and if you can’t say no to take a trusted friend or family member along – one that is money conscious and watches every penny! You’ll likely be told that if you don’t buy add-ons at the time you purchase the car, you can’t include them in your financing. The fact is, you never want to do so in the first place. Not only will you have to pay interest on the purchase price of the items, they typically add no value to the vehicle. A dealership will be more than happy to sell you those products a week, month, or year after you’ve taken delivery of your car. Below are 14 common dealer add-ons to recognize and consider before you visit the dealer. Doing so can help you avoid costly mistakes. Extended Warranties If you want to consider the warranty, insist on seeing the actual contract as brochures won’t include all the details. You can also contact consumer advocacy agencies where the warranty company is based to see if others have filed complaints and how long the company has been in business. Also consider where you can get service. If the only repair shop you can use is the dealer you purchased the car from, the contract becomes worthless if you move. Be sure to look at repair deductibles, and the process for getting a claim approved. Despite any pressure the dealer may apply, you don’t have to buy an extended warranty when you buy the car. You also don’t have to purchase an extended warranty from the dealership, unless it’s the brand’s own program.
Rear-Seat Entertainment Systems Instead of getting the built-in system, opt for iPads or tablets with headphones. Not only are they much less expensive, but you can move them from car to car or take them on other travel. If you buy a vehicle with a built-in system, you’re locked into the technology until you replace the car. Paint and Fabric Protection One of the selling points on these add-ons is a warranty for any damage to the paint or upholstery. Ask yourself how far the price of the product would go in having those repairs done if you ever have damage? You can have a lot of minor dents or stains repaired for $1,000, and you’ll still have that grand in your pocket if no damage occurs. Many of the protection plans are loaded with limits and exclusions that limit their utility when you need them. Many cars come from the factory with fabric protection. You can also add fabric protection with spray-on products. Just be sure to test any product on an inconspicuous spot first. Touching up nicks and giving a car frequent washes and waxes with a high-quality car wax is an inexpensive way of protecting its paint. Key Protection Paying a couple of hundred dollars to protect a key that costs $500 to replace and reprogram isn’t a good use of your money. That’s especially true if you include the cost in your auto loan and pay interest. If your key fails from a mechanical issue, it will likely be covered under your car’s bumper-to-bumper warranty. Most standard automobile insurance policies won’t cover the damage or loss of your car keys or key fobs. Check with your insurance company, though, as you may be able to add the coverage at an affordable price. If you’re concerned about losing your car keys, you can get inexpensive tracking devices that link to smartphone apps. Anti-Theft Window Etching Those facts may or may not be accurate, but paying a hundred dollars or more at the dealership is a waste. Chances are a thief won’t even notice if the glass is etched before they steal the car, and won’t be deterred if it is. Your VIN is already stamped many places around the vehicle, so adding it to the glass has little value in aiding its recovery. It’s not uncommon for dealers to have window etching and its cost pre-printed on the sales forms, as if though it’s a required part of the sales contract. It simply is not. If it’s not something you want, insist that the cost is removed or substantially discounted. Often included in the window etching package is some type of theft protection coverage. For the most part, theft protection coverage is loaded with exclusions and only serves to increase the markup the dealer wants to charge for the product. If you do want to have VIN etching, you can do it yourself for far less. Guaranteed Asset Protection (GAP) GAP is a huge profit center for car dealerships. However, customers don’t have to buy it from them, even if your lease requires you to have it. You should also shop for coverage from your auto insurance company and lender. In addition to price, you’ll also want to look at what the policy covers, what limitations there are on that coverage, and what kind of reputation the company offering the extended car warranty has with consumers.
Nitrogen-Filled Tires While tire pressure is critical for race cars, having the tire pressure vary by a couple of pounds won’t have a significant effect on mileage, drivability, tire wear, or safety. Credit Insurance Products There are typically two types of premiums. One has a large upfront payment that provides coverage for the length of the loan. The other has a fee that’s included in your monthly payments that declines as the loan balance declines. If you opt for the former and include the amount in your financing, you’ll be paying interest on it for the life of the loan. Before you buy the coverage, you should do some research. In many cases, you can find an affordable term life and disability policy for less money. A cousin to credit life and disability insurance is coverage that takes care of your debt if you become unemployed. Before signing up for the coverage at a car dealer, it’s a good idea to check with your loan provider and car insurance company. You’ll want to see if they have equivalent coverage for less money. It is important to remember that in most states, a car dealership cannot require you to take out these types of policies as a condition of buying a car. If they try, you should treat it as a red flag and walk away from the deal.
Factory Roof Rack Accessories The benefits of doing so go beyond price. You can move the generic rack accessories from car to car, and you don’t have to replace them when you buy a new car. The multitude of available accessories is likely to be much broader than the few accessories offered in the dealership. Some automakers are starting to outfit their rack systems with parts from top manufacturers. While the initial prices at the dealer may be higher than you’ll find in sporting goods stores or online, you can include the purchase price in your car’s financing. In some cases, those parts will be covered by the car’s warranty. Windshield, Tire & Wheel, or Dent Protection If you are considering one of the plans, don’t rely on the sales material alone. Instead, ask to look at the contracts that back the protection. Often you’ll find an encyclopedia’s worth of conditions and exclusions that dramatically reduce the value of the programs. Check on the health and reputation of the companies behind the coverage searching the internet and by contacting the Better Business Bureau or other consumer advocacy groups where they are located. Some dealers offer windshield protection treatments that promise to strengthen and protect your glass. You should ask yourself, if such a substance existed, wouldn’t automakers be putting it on all of their cars? While typical comprehensive auto insurance policies do not cover certain types of road damage, most types of damage are. For those that aren’t, you may be better off by skipping the dealer packages and saving your money to take care of any issues. Watch out for salespersons that tell you that the protection packages are required on all cars that they sell. If that’s indeed the case, which it likely is not, it’s a sign you should be going to a different dealership. Tire and Wheel Packages If you want the car, but not the fancy wheels, you’ll have to negotiate to have them removed. The original tires and wheels are probably in the back shop somewhere, though the salesperson won’t want to tell you that without getting some other concession on the car price. If they do agree to reinstall the original wheels, make sure the swap is completed before you sign the final paperwork. Before buying custom tires and wheels at a dealership, you’ll want to consider whether you get warranties that match the original coverage on the stock tires, wheels, and sensors for the tire pressure monitoring system. Be sure to research what you can get a similar package for outside of the dealer, either from a tire store or online retailer. By going to an outside source, you can get the exact wheels and tires you want, not just ones that look good on the showroom floor. Window Tinting and Clear Film Protection The same goes for plastic film protection products such. There are many products available, and they differ significantly in quality and longevity. You’ll want to search online to see which products are working best for people in your area, as the various products can perform differently in varying conditions. A key consideration with either window tinting or transparent protection film is having it properly installed. A shop that specializes in its installation is a better choice than one that only occasionally applies the product. Car Alarms and Tracking Systems Some dealers install security systems on every vehicle on the lot. Doing so helps them prevent theft. They’ll then try to sell you the system when you purchase the car. If you don’t want it, be sure to insist that it is removed in its entirety, or the price is substantially discounted before you agree to buy it. If you special order a vehicle, ask that the dealer not install any security system when it arrives. Delivery Fees You probably won’t see the delivery fee until you’re ready to sign the final paperwork. It will be the same or very similar to the destination charge shown on the price sticker. Many shoppers will confuse the two and end up paying both fees. If anyone at the dealership tells you that a delivery fee is the cost of having the car delivered by the manufacturer to the dealer’s lot, they are not being honest with you. The destination fee on the price sticker is the cost of shipping to the dealership. If you see a separate delivery fee listed, ask to have it removed. Unless they can come up with a great reason why it was not included in your price negotiations, it’s a good time to walk away from the deal. Once you have an idea about how much you should pay for a policy, you can give the dealership a chance to meet or beat any lower prices or superior coverage plans you’ve found elsewhere. source: cars.usnews.com/cars-trucks/things-you-should-never-buy-at-the-dealership |
12 Tips for negotiating at the dealership |
---|
Avoiding the anxiety of buying a car starts with preparation. It starts with knowing what vehicle you want, right down to the trim level, options, and color. Below are some steps to help you negotiate successfully. Knowledge Is Power Never go to the dealer without knowing your credit score and pre-approved financing in hand (With an NIHFCU pre-approval in hand, you’re off to a great start). Used car shoppers can also go online to separate the cars they should consider and ones they should not. Websites provide vehicle history reports that can show problems with a pre-owned car before you waste time looking at lemons. Not every car costs the same to insure. Getting insurance quotes when you’re car shopping can save you from sticker shock after you’ve already committed to an expensive-to-insure new or used car. Remember It Is a Business Transaction Some buyers think they can bully their way to a great deal. However, what will usually happen is the dealership will find a way to stick it to the rude customer. On the flip side, some salespeople will attempt to confuse, persuade, and perhaps even intimidate you into taking a deal that’s not good for your wallet. That’s why it’s essential to have a friend along who can see that happening, even if you don’t. Car salespeople are trained in negotiating and excel at moving you incrementally to the deal they want you to take. You, however, have the strongest position – you can always walk away. Being polite and level-headed is the name of the game wherever you are in the car buying process. Don’t Focus on the Payment A big secret of the car business is that if you can keep customers focused on the monthly payment, you can play with the other numbers in the transaction to get the profit you want. The customer will end up paying far more in the long run, and they’ll never realize they got a lousy deal. Instead, you want to look at the car’s total cost, including financing, fees, and add-ons. A common method is to extend your loan out to six, seven, or even eight years, which lowers the monthly payment, but greatly inflates the total amount of interest you’ll pay. In addition to the extra interest, you’ll also face the possibility of needing costly repairs on your aging car while you still have car payments to make. The longer the loan, there’s more chance of having an underwater car loan, which means you owe more on the car than it is worth.
Know the Deals While you don’t have to haggle to get a deal, a salesperson may not volunteer that there’s an offer available. Unless you have done your research and know about the offers, you can’t be assured of getting the good deal you deserve. Think About Financing Early Adding financing into the negotiation process also gives them another, often confusing, lever they can adjust. In some cases, a dealership will suggest a financing deal that makes them the most money, rather than giving you the best deal. Instead, smart buyers know to never get within a mile of a car dealership without having a pre-approved financing offer in hand. So, great job in securing your financing from the NIHFCU before you go to the dealer! Separate the Trade-In An experienced salesperson can show you a great price on your new car by lowballing your trade value. They can show you a fantastic trade-in value by jacking up your car’s price or adding another year onto your financing. How do you avoid this? First, be undecided about whether you’re going to trade-in your car or not, and force them to structure the deal as though you are not. Then you can bring the trade-in up at the end. Along the way, you’ll want to have checked the current value of your car to ensure you’re getting a reasonable price. Another way is to sell the car yourself, either to another dealership or a private party. Some used car superstores have streamlined processes that make selling your car easy and quick. You can also seek an instant cash offer, which gives you a price you can expect from any dealer who participates in the program. It’s a relatively new and easy way to unload your old ride. Last, you can sell your car to another private party. Private sellers will likely get the most money, but it doesn’t come without some hassles, including its own negotiation process. Negotiate the Price First There’s a saying about negotiation: The first person to speak loses. While that’s an oversimplification, it is true that once the dealer suggests a price, they can’t go any higher. One you say how much you’re willing to pay, you can’t get any lower. You should always have a fact-based reason why you can’t go any higher, and force the salesperson to have a provable reason to justify their counter-offer. It’s natural to want to fill in any gaps in the conversation by talking. That’s a strategy that a trained salesperson will use to try to get you to take their deal. Please don’t fall for it. Say what you want to say, then be quiet, no matter how deafening the silence is. When the salesperson finishes, don’t say anything until there’s a question. A car dealer is entitled to a certain amount of profit – that’s how they stay in business. So don’t make your initial offer insultingly low. The final price will likely fall somewhere between the dealer invoice cost and the window sticker’s price, less any available rebates. It is essential to know what you can negotiate and what is non-negotiable. Don’t waste your time trying to negotiate the destination charge on the window sticker, but do question any additional freight charges a dealer might try to sneak in. You won’t be able to negotiate taxes or registration costs. Still, junk fees such as advertising fees, documentation fees, and other miscellaneous costs should be discussed. If the dealer has added something to the car that you don’t want, you should request it be removed and note that you won’t pay for it. That includes things like window etching and nitrogen in the tires. Timing Is Your Key to Savings It helps if you are ready to go, with financing in place, to make the most of the timing. Miss the end of their bonus period by even one day, and any incentive they have to make you a good deal will be gone. There’s More Than One Dealer It’s easier today, because you don’t even have to leave your house. By visiting multiple dealers’ websites and opening up discussions with their internet sales managers, you can request offers and barter back and forth. Even if you have found the perfect model, trim, and color at one dealer, be sure to ask other dealers to price that precise configuration. Dealerships often trade vehicles, and you may have multiple outlets vying to sell you the same exact car. Avoid Costly Extras It’s where you’ll be pressured to buy add-ons. Some may be cheap, while others cost thousands of dollars. There is time pressure involved because the dealer wants to include the add-ons in the deal and possibly include them in your financing. They’re very good at selling the products and can make it sound like you need things before you can leave the dealership. Here’s the truth. Most of the things you are offered are available outside of the dealership from third-party companies. They can be purchased at lower prices elsewhere. Even if it must be purchased at the dealership, they’ll be more than happy to sell it to you even months or years down the road. See NIHFCU protection programs at prices commonly much lower than the dealer Read the Paperwork Watch out for any add-on or unexplained fees that have appeared at the last minute. It’s a good idea to have a sharp-eyed friend or family member along to double-check the documents. Never sign a form that is incomplete or incorrect. It’s much harder to correct errors once a document has your signature on the bottom line. Never leave a dealership with a new or used car unless you are certain that the lender approved your financing and all of the loan paperwork is complete. Without those safeguards, you can fall prey to an old-timey scam known as yo-yo financing. Yo-yo financing starts off with a dealership assuring you that you’re free to drive away in your new ride. They might not tell you that your purchase is still contingent on the lender approving the financing. Sometimes they’ll genuinely believe that you’ll qualify. Other times the financing officer will know that you don’t have a chance of getting the loan deal they offered, and you agreed to. About a week or so after you’ve left, you’ll get a call saying that there was something wrong with your financing, and you need to come back and work things out. When you return, you’ll be faced with a much more expensive financing package. At this point, many buyers see no other way than to sign the new documents and pay the outrageous price. There will be a high-pressure push to get you to sign, and after a week, you may have developed an attachment to the car. What you should do if this happens to you is immediately start looking for financing from local credit unions, online lenders, and banks. Get pre-approved for the best deal you can get, and have it in hand when you go back to the dealership. If you can’t get a good enough deal that the vehicle’s affordable, you need to be prepared to drop it back off at the dealership and walk away. With NIHFCU approved financing, you’ve done a great job in avoid this scam! Be Prepared to Walk Away Many people won’t walk away because they’re embarrassed, or they like the salesperson. Others are reluctant to walk away from the time they’ve invested in the process. The truth is, if you’ve invested your time in a bad deal, not walking away will see you spending your money on that lousy deal for the length of your loan. It’s a poor decision that can haunt your pocketbook for years. One way salespeople try to prevent you from walking away is by having you sign the offer sheets during the negotiation process, as if your signature locks you into the deal. It doesn’t. The agreement is not final until you sign the last documents in the financing office. It is important to walk away the right way. Don’t leave fuming angrily, leaving skid marks in your wake. Instead, say something like, “it looks like we’re still a ways apart, but please call me if you can find a way to make this deal work.” If they’re close to goal at the end of the month, you’ll get a phone call. Sometimes they’ll even chase you across the parking lot. source: cars.usnews.com/cars-trucks/tips-for-negotiating-at-a-car-dealership |
Rates, fees and terms as of October 6, 2025 and subject to change without notice