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...Scams. Read our new chapter Auto refinancing tips & scams to avoid, which covers how to lower the APR on your current car loan, and auto refinance for people with bad credit. How To Get The Lowest APR Car Loans Car financing is just a product a dealer sells to you. For lower APR, try PeopleFirst, E-LOAN, or Lending Tree. How you save by financing online: * Lower APR car loans than dealers, they Fed Ex your check next day. * You get approved in minutes for new car loans, or used car loans. * You avoid dealer warranty and window etch car loan scams. * PeopleFirst can refinance your auto loan to a lower APR. * AutoCreditFinders finds bad credit car loans for low credit scores. The Way To Save Cash On A Car Is With Competing Bids We'll review Autoweb, InvoiceDealers, Car.com, Autobytel, StoneAge, CarsDirect, and Ford Direct to learn what dealers pay for new cars, and how to save the most. Never enter a dealer without "The Folder" of quotes to keep them in line and get your best price. How Bad Is Your Credit? Before you buy a car, you better know your credit score. Get your instant credit report and credit score from ConsumerInfo.com. Equifax, or TrueCredit. Then dealers can't lie about your "bad credit" if you know it's good. We'll review warranties 1SourceAutoWarranty and Warranty Direct. Also read our Guide to used car auto auctions. Financing & leasing tip of the century If a dealer calls 2 weeks after you lease to re-sign due to an "APR error", just hang up. A lease is a contract binding both parties, they can't force you to re-sign. If you tried to get out of a lease, they would sue you in court. Read our section on ALG Residual Values and leasing software. They know your credit score, you should have your new car financing lined up online before you enter a dealer. Try Lease Wizards's Live Lender Quote (L.L.Q.) to bargain a lower lease. They give you 6 quotes from lenders containing residual values, money factors, fees. "This car is hot, everyone pays MSRP. We don't have to sell it cheaper." A common sales tactic. If they have even one of your new car in stock, it's not...