If you are going to use a local credit union or bank for financing always get pre-approved before you walk through the door, this way you already know what your finance rate. Most dealers will add on the back end of there rate to make extra money. An example of this is, your rate is 5% for your financial institution, the dealer's rate is also 5% but they will add 3% and try to finance you at 8% which is legal.
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