One of the tricks of new car dealers is to ask you "How much can you afford to pay each month?" Never answer that! They will merely stretch out your payments to 6 or 7 years so that your monthly payment is reduced while charging you a sky high price on the car and on the finance charge rate.

The better way is to get the lowest possible price on the vehicle. That's where No More Haggling comes in. We will do all the haggling for you, sitting by your side, at your neighborhood new car dealer, to get you the best possible price. Did you know that the price of the car (which is determined by your neighborhood dealer) has nothing to do with discounted financing or rebates (determined by the manufacturer, ex. Ford)? If available, we will have the dealer factor in the little known "dealer holdback" which is typically 2 to 3% of the invoice price (on a $20,000 vehicle that is $400-$600!)

Then you need to find the lowest possible financing. It's best to do that before you go to the dealer with No More Haggling. Go to your bank, credit union or online and get pre-approved. If the dealer can offer a better rate, take it. If not, go with what you have set up. If you intend to take the discounted financing (ex., 2.9% for 60 months), you still want to check your credit bureau report and get your credit score. Once in a while, the dealer will tell you that you don't qualify for the discounted financing even when you actually do. Be prepared.

Using actual numbers from a Top Ten selling 4-door sedan, discover how No More Haggling could save you:

• $1204 in the cost of the car!
• This results in a lower monthly payment up to $24 per month for five years;
• This results in savings up to $244 in interest.
• This results in savings up to $105 in sales tax.

These savings are over and above your savings even if the dealer gave you $500 off the sticker price!

So, you save money, but you also save time, eliminate stress, and avoid getting ripped off.

Buying a new car, SUV, minivan, or pickup?

Don't overpay the dealer!

"People pay different prices for the same new car. You can pay top dollar; you can pay close to dealer cost; or you can pay somewhere in between. If you're a really weak negotiator, you might give the dealer $3,000 in profit; a great negotiator might give the dealer $300 in profit. Obviously, salesmen and dealers would prefer to get $3,000 from everyone but experience has shown that profit is determined largely by how customers behave during the haggling process."

-newyorkcarsales.com