For example, would a higher down payment allow you to negotiate a lower interest rate?
Offering to purchase today for XX price (which is below their listed price)?
End of the month sale timing?
A side question: I had a cosigner for my first car purchase and they came back with 1.9% with the cosigner but after I was in the picture, they said the best they could do was 3.9%. I had only just started building credit then so I thought it made sense but thinking back, now I’m not so sure. If I ever came to the point of being unable to pay the loan, then it would default to my cosigner right? So dealer would still get their money and if that’s the case, why did they raise the APR If they wer