Aftermarket Products:

There are any number of aftermarket products that the Finance Manager (FM) will suggest that you should purchase, such as fabric and paint protection, window etching for security purposes, alarm systems such as "LoJack" which is a retrieval system as well as standard remote passive alarms systems, etc. Just remember, we cannot and will not either endorse or disclaim these items because basically, every person's wants and needs are different - it's your call whether or not to purchase any or all of there items. Keep in mind once again that the FM's job is to sell you these items at a considerable markup from the dealer's cost so I would recommend that you do your "homework" before signing any paperwork in the F&I office so that you have a benchmark to start from regarding costs of such items.

You as the consumer must remember that by educating yourself BEFORE going into the FM's office could quite literally save you thousands of dollars in finance interest and markup of any items included on your finance contract. If financing, the more items you purchase and include with your financing, the more the percentage of that interest the dealer makes. Please feel free to utilize the links we have provided to assist you in making better informed decisions during your auto purchase.

ALWAYS REMEMBER:

DO NOT negotiate your purchase with either the salesperson or manager based on a monthly payment! The dealer will then customize his deal structure around the payment you said you were most comfortable. For example, you said $400 per month was your maximum monthly payment. The FM might have you at $400/mo @ 60months but can get you to $360/mo at 72 months leaving him/her a whole lot of room to add "back end" products. Always negotiate on SALES PRICE - payments come later.

By having yourself pre-approved before going to the dealer, you get an idea of how much money financed puts you within a certain payment range. That is why we stated that Sales Price should be the negotiating factor and payments come secondary.

We are certain that if you utilize the information provided throughout this website, you will most definitely save yourself hundreds if not thousands of dollars on your next automotive purchase. Remember, we will be updating this site monthly so please revisit on a regular basis, as legal issues are constantly changing within the banking and automotive industry.