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Get several quotes on the car you want to buy. If you go to a Chevy dealer and they say they can give you the car you want for $20,000, for example, leave and go to another Chevy dealer. Tell them what the other offers on the table are for the car and see who can beat it. If you’ve got three or four dealers competing for your business, one of them will want the sale bad enough to give you the lowest price. You can also get multiple car quotes by emailing the dealer.
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Q: I recently purchased a car and now lost one of my jobs. My car is financed and I'm having a huge problem maintaining the payments. I have never missed a payment or been late but it's getting very difficult every month. Please advise me on my options. Although I need a car I would be ok at this point with purchasing a used car. My payment is $450 a month. My interest is very high, like 19%. It's a Hyundai Tiburon 2008 and I didn't put a down payment. I traded in my last vehicle, which was a 2006 Elantra, a year ago.
A: Start by contacting your lender to explain your situation to them. They may refer you back to your selling dealer to see about your options in downgrading to a vehicle that fits your new budget. Additional cash down from savings may be the ticket to lowering your auto expense and acquiring another vehicle.
Also, if the job that you lost was the main basis in your loan approval, they may assist you with a plan that will defer your entire monthly payments or a plan that pays for the intere
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