Here's some advice for you if you are in the market for a car loan.

Car dealerships and used car companies are professional negotiators and they do it every day. You on the other hand probably buy a car every few years. So when it comes to the amount of experience at the table, your car vendor is going to have the advantage.

You need to cancel this advantage by doing as much research as possible. Learn what different loan packages are out there. Compare the different rates of interest and fees. Only then will you be able to recognize what is the best deal for your needs.