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Get Pre-Approved for a Car Loan – Then Make the Dealer Beat Your Rate

Source: Money Crashers · Oct 18, 2026 14:30 UTC

Entrance of the Federal Reserve Bank of Cleveland with its arched windows and statues — File photo Carol M. Highsmith / Library of Congress · Public domain · Source

The Quick Take

That markup is hard to spot, because the only rate you see is the one the dealer quotes. A rate carrying two extra percentage points looks like any other offer unless you have a competing one to hold against it.... Source

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