The car dealership Finance Office or F & I (Finance & Insurance) office has so many ways to make money on you it’s staggering. Very often the car dealership will make more profit from arranging your car financing than they do on the vehicle sale itself! Be Warned — this is profit at your expense!

I strongly recommend that you arrange your own car financing — preferably before you go car shopping, and that it is absolutely imperative that you keep the financing out of the car price negotiation by not negotiating a car payment.

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