Two more things to remember

First, car dealers are businesses, and they need to make a profit. So once you get a fair offer, take it, and drive home happy. Second, when you are looking for a loan, try a credit union. Seriously. They’re easy to join, and their rates are actually lower than what you can get at a bank. PenFed, for instance, was recently offering car loans at just under 1%. How can they do that? Well, let’s boil it down to car terms: Picture a credit union CEO’s car. Now picture a bank CEO’s car.

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