Walking into a dealer with a pre-approved loan is your strongest negotiation tool.
: Check with your local bank or credit union before visiting a dealer. This gives you a baseline to see if dealer financing is actually a "deal" or just a high-commission product. best way to buy a car 2017
: Total monthly vehicle expenses (payment, insurance, fuel, and maintenance) should stay below 15-20% of your monthly income. Walking into a dealer with a pre-approved loan