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Is it normal for a sales guy to keep lowering the monthly payment because he keeps “lucking out with my manager”?

Shawn Ryder

Trade-In Value: The worth of your old vehicle, which can lead to lower financing amounts. Loan Term: The duration over which you repay the loan, usually 36 to 72 months. Understanding not just the monthly payment but the total cost of the vehicle over the term of the loan is critical to making an informed decision.

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Using a credit union and negotiating with the car dealer?

Shawn Ryder

Flexible Terms: Many credit unions offer more flexible loan terms and personalized service, catering to your specific financial situation. Understand Loan Terms: Carefully review the proposed loan terms, including interest rates, repayment period, and any fees associated with the loan.

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