Buy less car that you can buy with cash.
#1. Buy a car based on the car price, and negotiate based on car price.
#2 Negotiate trade-in after there is a set price.
#3 It's best to buy a car you can afford with cash. If you must get a loan, have loan options determined/secured before you purchase the car. If the dealer has loan options, let them propose them in negotiation against other options.
Dealers play all sorts of tricks with interest rates, durations, down payments, adding to up front dealer fees, that cost you. For example "cash back" of $1000 means they hand you $1000 which you must pay back with interest. That's why you negotiate price first. Get the best price, below dealer invoice, that they can give you.
Don't fall in love with a car before you know the deal.How much does a car cost per monthly installement? say an audi A4 or a car from the same range...?
a general rule of thumb is $20-30 per thousand that you finance. $10,000 car $200 a month roughly. your term will play a factor in this as will your credit history. also if you lease it vs. purchase it can vary differently as well. generally $25-35 per thousand.
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