: Salespeople can manipulate monthly payments by extending loan terms (up to 84 months in 2026), which leads to paying more in interest and potential negative equity.
Treat your car purchase as three distinct negotiations to prevent the dealer from hiding costs: car buying strategies that work
: Dealers often lure buyers with a low sticker price only to add thousands in "dealer fees" or "market adjustments" later. : Salespeople can manipulate monthly payments by extending
: Agree on the OTD price before mentioning anything else. car buying strategies that work
: Ask for a written, itemized OTD quote via email or text before visiting the lot. This allows you to compare offers from multiple dealerships easily. 2. Isolate the Variables