Complimentary NY Metro Delivery + Total Loss Protection Available • See How It Works

Just Text Us

(201) 815-8216

Can I negotiate the interest rate at a dealership?

Yes. Most buyers do not realize the interest rate is negotiable. If you have a pre-approval from your bank, tell the dealer, "My bank offered me 4.9%. Can you match or beat that?" Dealers can often match lower rates because they work with multiple lenders. The key is having an alternative so the dealer cannot present their marked-up rate as your only option.

See all FAQs