Smart Women's Car-Buying Tip #1: You can negotiate your finance rate.

Imagine this: You're excited about buying a new car, and you’ve done your homework. Before you even step into a dealership, you’re armed with knowledge and ready to negotiate the price of the vehicle. But did you know this car buying tip for women? You can negotiate your finance rate too and in fact, you should. Here's how you take control of the financing conversation and come out ahead.

Before You Go:

• Pre-approval is your best friend – Get it from a credit union or AAA, so you know your options before the pressure is on.

• Know the fine print – Manufacturers often offer ‘special’ rates, but the terms matter. Do your homework and read up!

• Crunch the numbers – Use an online calculator to figure out what works for your budget. That way, you walk in knowing what you can afford.

At the Dealership:

• Keep them guessing – When asked, say you’re still deciding on how you’ll pay. If you reveal you're paying cash too soon, you might miss out on a better deal!

• Stay quiet about your credit score – They don’t need that information upfront.

• Focus on the purchase price, not monthly payments – Dealers love to negotiate monthly payments, but stick to the total price to avoid getting trapped in a bad deal.

• Ask for the best rate for perfect credit – If it's higher than your pre-approval, you can always say, “I have better with my own financing.” Suddenly, their rate might improve!

The Power of Pre-Approval: Even if you walk in with your loan ready, chances are they’ll try to beat it to win your business. Use your pre-approval as leverage and come out with a rate that's best for you!

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