The best way to prepare for car shopping and get the best deal is to focus on trade difference - the difference between their car and your car. You can also consider "total financed amount", which is trade difference plus your trade-in's payoff.

If you can find an honest car dealer that works strictly with trade difference, such as Oklahoma Town Cars, you'll have a much more enjoyable experience.

If there are no dealerships like them locally, follow these steps and you'll avoid getting redirected in the direction the dealership wants you to look:

1) Determine your likely interest rate. Better yet, get pre-approved at your bank, credit union, or other lending institution. The dealership will probably be able to get a better rate, but knowing what the current rates are for your credit situation and for the kind of vehicles you are considering will help dramatically.


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