I am buying a car (finally)... And my friends are telling me to finance through an on line finance company... What do you guys think? Could you guys give me honest recommendations with best deals? Thanks!
As long as it's from a reputable company (like etrade) I think it should be fine. e-loans would be another one I'd look into. I was going to finance through them but my dealer matched their rate so I just went with Infiniti finance.
Check the internet to see what the going rate for auto loans is. Then, when you buy the car, the loan rate offered by the dealer might be better or it might not be. But you will know if it is a good deal, in the ball park or a bad one that can be beat. When I bought my car, I had several days after I took delivery to get alternate financing. I went with the dealer financing because it was the lowest rate.
If you are putting a significant down payment on the car, think twice about buying "gap" insurance. Keep in mind that "gap" insurance only pays when the car is totaled or permanently stolen. The cost of this might be negotiable.
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