Once you agree on a price, you'll head to the Finance and Insurance (F&I) office. This is where extra costs often sneak in.

: For used cars, always ask for a Carfax or AutoCheck report to check for past accidents or title issues. 2. Spot the "Hidden" Fees

: 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.