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How to negotiate the best price on a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering you interactive financial calculators and tools, publishing original and objective content. We also allow users to conduct research and compare information for free and help you make sound financial decisions. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this website are provided by companies that compensate us. This compensation can affect the way and when products are listed on this site, including such things as the order in which they appear within the listing categories and other categories, unless prohibited by law. This applies to our loan products, such as mortgages and home equity and other products for home loans. But this compensation does not influence the content we publish or the reviews appear on this website. We do not include the entire universe of businesses or financial offerings that could be open to you.


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4 min read Published September 20th, 2022.
Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the details of using loans to buy a car.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to manage their finances with precise, well-researched and informative information that breaks down otherwise complicated subjects into digestible pieces.

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The purchase of a brand new car can be exciting , however, negotiating an affordable price can be daunting. It is important to prepare yourself for having confidence and negotiating for the price you're entitled to. 7 steps to negotiate your car price Set yourself up for success when negotiating by and looking into your options. These tips will help you be more prepared to negotiate with the seller and ensure you get a deal that is within your budget. 1. Find the basics before negotiation can begin take a look at the type of vehicle you'd like. If you don't already have your ideal set of wheels take a look at your requirements and your lifestyle. Will you be driving long distances or through dense traffic and require an energy-efficient vehicle? Is it just you and your spouse, or do you require a larger vehicle to carry your children or family members? Are any features non-negotiable? These are only a few questions to ponder before deciding on which models and models to choose . Also, you can run the numbers to get an idea of . Use an online auto loan calculator to calculate a monthly payment, and don't forget to think about the other aspect in determining a budget. Decide on the amount you want to pay, and keep that figure in mind when you negotiate. 2. Pre-approve for financing next thing to look into financing. Consider getting for financing before going to a dealer to buy a car. Many car dealerships offer in-house financing but it's . Dealerships often raise their loan rates so they can profit. You will find better offers from credit unions, banks and online lenders. So, compare the offers online and in person. Securing financing will help you stay firm. You'll know exactly what you will have to spend, which means less temptation to purchase upgrades or pricey accessories. Plus, preapproval gives you the power to negotiate. The dealer might offer to match or beat the other offers to win your business. to see what the monthly payment could be at various rates and loan conditions. 3. Do some research on the car's worth Find out the car's value and jot down the following figures as follows: Manufacturer Suggested Price (MSRP) is the suggested price for sales per automaker, sometimes referred to as the "sticker" price. in the invoice price : The amount that the dealer is paid by the manufacturer to purchase the car. Fair market value : The average price others are paying for the same or comparable vehicle . Find an MSRP printed on the sheet attached to the window of the car. It is possible to determine an invoice's value and the fair market price through the internet or using a tools. If you want a new car, use the invoice price as your starting base. In the ideal scenario, the price you decide on should be in the range of and the MSRP and this amount. If you're purchasing used, you could have more flexibility when negotiating in accordance with the vehicle's make, model and mileage as well as the condition. 4. Check out dealerships. Even if the dealership has good prices on cars you love, it may not be the best option. Beware of dealerships that charge high dealer costs or have bad reputations. Review online reviews to gain insights from customers who have been there. Also, ask about dealer fees before you decide to purchase a new ride. 5. Check around, unless you are certain of the vehicle you're looking for, down to the make, model and VIN You can shop for a while. Visit some dealerships within your local area over the course of a few weeks. Learn about the cars that are available, and speak with a few different sales representatives. Make a shortlist of the top three options. Then study the MSRP invoicing price, the fair market value. It can be used to ease the process. You'll have the pricing details you require to get the best price and the seller will know that you've done your homework. It is harder to bargain -- and more difficult to overpay -- on a vehicle in the event that you rush through the purchase process. 6. Read up on negotiation tips The salesperson will want you to negotiate the cost of your car. Don't feel bad asking for a price, but ensure you've got the plan. Prepare cost and comparison charts. Look up websites such as and . If you know what the fair cost for the car is , or you find another dealer offering a better deal, communicate the information. This will give you an advantage when bargaining. Stay firm. Even if you are nervous about asking for a better deal do not show it. Be confident and tell them the price you want to pay. Firmness also means confidence in knowing the amount you are entitled to. For example, if you are confident that you have good credit make use of it to your advantage when discussing dealership financing. Prepare yourself for the long run. It's not uncommon to find the negotiation process to be lengthy. Be prepared for a long stay at the dealer by being healthy and well-rested. This will reduce the chance of becoming irritable or rushing because of thirst, hunger or other issues. If you aren't able to negotiate the price you desire, don't be afraid to walk away. There is a chance you can find a new car for sale and a better price elsewhere, or go back to the dealership another day and try to bargain again. By leaving, you show that you're serious about securing a good bargain. 7. Change salespersons if needed. If you're dealing with a pushy salesperson who's infuriating you, look for someone else to assist. It's best to take your business to another dealership to be treated fairly in the process of shopping and negotiating the most favorable price for the car you want. The next step is to buy a car. requires effort however, when you're spending that much money it is important to make sure to get the car you want at the price you want before you close the deal. Take time before getting to the dealership to make yourself comfortable to negotiate with confidence and knowledge of the amount you need to pay. Don't be afraid of insist on the price you'd like and walk away if necessary. Find out more

Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of borrowing money to purchase a car.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers feel confident to take control of their finances by providing clear, well-researched information that breaks down otherwise complex topics into manageable bites.

Auto loans editor

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