[wbshaw]

If you think outright financing is bad, try leasing a car and then giving it back when they screw up the residual value estimate. Dealers will try to Jack you with every imaginable fee to get you to buy the car from then at the end of the lease.

You also need to walk in the door with your own financing. Even if they give you financing through your preferred bank, it's not uncommon for them to juice the interest rate for some additional profit without any kind of disclosure.

[tzs]

> You also need to walk in the door with your own financing

But also check out what the dealer/manufacturer offers. Sometimes there are factors other than just the terms of the loan to consider.

For example I financed my new car (2025 Hyundai Kona SEL Electric) through Hyundai because Hyundai was offering $7500 off if you financed through them. I could have gotten a better interest rate from my bank, but I'm going to pay the loan off early and even if I could have somehow gotten 0% from the bank it wouldn't have saved enough over the time I'll actually have to loan to come anywhere near matching that $7500 from Hyundai.