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Old 01-19-2013, 01:26 PM   #5
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There are a million variables that go into buying/financing a car.

Getting pre approved is a good idea, shows you what price range you can look in.

Tax, Tittle, and License can be financed or you can chose to pay them your self. In reality the bank doesnt care if you do or not. All they really worry about is the amount financed.

As for negotiating a price its anyones guess. It all depends on the dealer, and the car your looking at. They are not going to sell a car at a loss. So the price on the sticker might be firm it might not. It all depends.

Know what you can afford before hand. Dont be set on a car payment of lets say $300 a month. You could finance a $50,000 BMW for $300 a month but its going to take forever to pay off. Get a realistic monthly payment in mind, and a loan term of no more than 5 years (60 months) this will make payments more affordable than a shorter term. yet keep the amount owed close to the value of the car. (theoretically, not always true, just an example)
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