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Purchasing your car through auto dealership financing gives you some additional control over the price that you pay for your car. On the other hand, it also gives the dealer the same control to possibly work against your interest too. When you have a bad credit and yet you opt for these auto dealership loans, it is imperative that its outcome would have a great impact on your economy.

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Here are a few suggestions for you to take into consideration while choosing these dealerships. This can be done when you have bad credit. These can be very useful:

Be prepared before you choose these services
When you go through auto dealership financing, you need to keep in mind that you are on the lot. The way you deal with the salesperson – (the way you walk, the way you talk or even the way you look) would tell them about your demand. It is recommended that you do your homework first. This would make you confident enough to opt for the best possible financial deal. Do a research on a few things – how you present credit score, the price you are willing to pay for the car, and also the rate of interest you intend to pay.

Write down all information the salesperson had given before meeting the financing manager
Make sure you get the final, price of the car in writing before you leave the salesperson. As you move forward to meet the manager, you talk to him about the financing part only. Otherwise the dealership personnel will try every chance to make extra money.

Remember that there is always an angle
Until and unless you have met your financing manager and penned down your financing contract, you are not at all done with your application. For instance, if your car is offered at a price lower the amount which the dealer paid, the dealer is very likely to get a discount from the manufacturer. Or the dealer can also think of charging their customers a very high interest rate and make money in that way.

Use the flinch technique
While negotiating interest rate for the car of your choice, many times, you will be offered a certain amount of rate of interest by the auto dealership financing organization. Make sure you give a start when you see the figure first. Doing this is going to make them want to come up with a lower number fast.

Negotiate for a lower rate of interest
Keeping aside your low credit score, the dealership will utilize it to try to get you agreed to a higher rate of interest. That is just not the right way. You must not let them take advantage of you for your bad credit status. Hold strong and ask for a lower rate of interest that you can afford. By doing this, you are able to save a lot of money.

These are a few ways in which you can try and make the best out of your money.

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