Appropriate topic announcement

This sub is for discussing any and and everything about auto loans. Looking for a lender? Need to know how to shop/prepare? Do you know how to deal with financing? Really, you should do so before you go to the dealership, but even if you go to the dealership, do you know how to deal with them? Do you realize that there are two sales encounters? The salesman and the finance man. (The finance man’s commission is called contribution. It’s based on how much s/he can mark the interest up over what the FI is charging.) Are you aware of all the add-ons that are pure dealer profit? Be aware of that if you allow a dealership, they will shotgun your CR with inquiries. Did you know multiple auto inquiries are counted as one within a certain time limit, de-duplication? Did you know auto inquiries are buffered/delayed for 30 days to allow for rate shopping, assuming they are coded correctly? Knowledge is power, educate yourself before you go auto shopping! This is your one stop shop for auto loans, share your experience, ask your questions, help each other, enjoy yourself. If you have some data points to share though, please drop by the Credit Scoring Analysis forum and share them! Thanks and enjoy yourself!