Financing your first big ticket

Dealers charge whatever rate they can get away with

For ratings stick to the yearly edition of Consumer report

Heads up for the buyer

The banks, more risk, more rate

Know your budget and stick to it

Down payment isn’t a lock

Employment offer

FTB, finance first, buy and negotiate second

Don’t give up

Financing has many sources

Referral letters will help

Cosigners are the best answer

Recourse dealers

Improve the risk

Buy here pay here may be the last choice