Great advice. I am a mortgage broker so know a bit about this areadon't worry much about the rate 4% or 4.5% doesn't make much difference with a small car loan mostly few dollars a month. The fees are what counts and could end up $500/$1000 etc so look at application fee, any dealer fees and setup fees these can be all waived. As for warranty and insurance, back at my BMW finance days there was 100% markup so $2000 extended warranty really only is $1000. Too much room to negotiate!
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