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Tips to Find the Best Auto Financing Rates By J.Haggerty chevrly

  in Automotive | Published 2017-07-19 03:51:27 | 68 Reads | Unrated

Summary

Quite simply the more you put down on your car, the less financing you will need and also the shorter it will take to take full ownership of the car. This includes sales tax, documentation fees, registration fees, and various other miscellaneous fees associated with car buying.

Full Content

Finding auto financing can be a hassle. Not only are you stressed out trying to decide which vehicle you want to purchase, but then you are subjected to a debate on how to best structure your financing options. The good news is that there are options that you can use to your benefit when discussing the details of your car loans. So here is a list of ways ensure that you will walk out of the dealership happy and with no uncertainty about your auto financing.

  1. Before you even step on a dealership lot, find out your credit score. This will serve you wonders whe
    n it comes to auto financing. Not only will you feel more confident by knowing your score in general, but this can be a major talking point when discussing rates and term options.
  2. Calculate the maximum amount you can put down. Quite simply the more you put down on your car, the less financing you will need and also the shorter it will take to take full ownership of the car.
  3. Opt for the shortest term you can afford. Longer terms may very well come with smaller APRs, but overall you will be paying more for your vehicle. Determine your budget and opt for the shortest loan term plausible for you.
  4. Pay all “Extras” with cash. This includes sales tax, documentation fees, registration fees, and various other miscellaneous fees associated with car buying. A lot of dealerships will try and roll all of this into your financing, but it is quite beneficial to pay for these fees with cash. You should do this because any money you borrow should be directly tied to the value of your car. If you accept financing for extra fees you be upside down on your repayments for a short amount of time, meaning you won’t be contributing to owning your car directly.

So the next time you’re looking for a car and need auto financing, try utilizing these options. You’ll find that by using them not only will you get a better deal on your car loan, but also you will reduce the time until full ownership of your car. When you can reduce the amount you owe and reduce the time it takes to fully own your car with a few simple steps, why not take advantage of them?

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