Main AI reads your auto loan and dealer financing documents — finds add-ons you didn't agree to, markup on interest rates, and payment packing tactics.
Dealers arrange financing and are frequently allowed to add points to the rate the lender actually approved — pure profit to the dealership. The contract rate vs. what you'd qualify for directly can differ by several percentage points. Always compare against a pre-approval from your own bank or credit union.
GAP coverage can make sense on low-down-payment loans, but dealer prices are heavily marked up versus your insurer's. Extended warranties, VIN etching, paint protection, and nitrogen fills are where margin hides. Every add-on is optional and negotiable — and financing them adds interest on top.
Rolling the unpaid balance of your trade-in into the new loan — you start underwater on day one, often by thousands. The contract shows it as an inflated "amount financed." It's one of the most expensive patterns in auto lending, and it compounds each time.
Usually yes, but check for prepayment penalties and precomputed-interest structures (like the Rule of 78s, restricted but not extinct) that front-load interest so early payoff saves less than you'd expect. Simple-interest loans are what you want.
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