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Very few purchases are more associated with slimy salesmen and oblivious buyers than used car sales. It’s almost a cliché: The used-car dealer’s eyes glitter with dollar signs as he pats the clueless buyer on the back and watches him drive off the lot with a total lemon.

Having a car represents more than just another possession—it’s a way for you to get to school and work, a way to transport your kids to their activities every week, and the freedom to go where you want when you want. But for many people, the process of getting a new car is filled with uncertainty about whether you would be able to get a car with a payment you can afford. The interest rate has a significant impact on the total cost of your car and your monthly payments, so these simple steps to getting the best auto loan rate can help.

Bills are a lot like bad weather. They're going to come anyway, so you might as well not try to fix them, right? For some bills, that's the case. For others, though, you can make a big difference in your monthly budget with a little legwork.