Secured loan at 4% seems to suggest Mortgage security or a floating term. I'd be very surprised if it's fixed.
Dealerships want you to finance through them because they get what is called a reserve for going through places (like $700 for a $25,000 car loan) and another $100 for first look bonuses through many financial institutions.
You should ask the finance manager how much of a reserve they will make off your vehicle and that you want half of that applied on your price or you will finance elsewhere.
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