Dealers often ask, "What monthly payment" This is a classic tactic to shift your focus away from the . By extending the loan term (e.g., from 60 to 72 months), they can meet your monthly goal while charging a much higher total price and more interest.

Here are the "secrets" and strategies to help you navigate the process like a pro:

Always negotiate the out-the-door price of the vehicle first before discussing monthly payments or financing. 2. Pre-Approved Financing is Power

Your biggest leverage is your ability to walk away . If the numbers don't add up or you feel pressured, leave. There is always another car and another dealership. To help me tailor this further,