: Secure a financing offer from a local bank or credit union first. This gives you a "benchmark" rate to see if the dealer can actually beat it.
The most powerful tool you have is information. Before you visit a dealership, use U.S. News Best Cars to research the vehicle's market value and reliability.
: Never negotiate based on a monthly payment alone. Dealers can stretch loan terms to make an expensive car seem affordable while you pay more in interest over time.