Buy Your Used Car

Q.I am going to be buying a new Toyota in the fall when the '08 models come out. I will probably be getting a Rav 4. I currently own a 2000 Echo, which I financed through Toyota Financial at the dealership. My question is this- am I likely to get a better interest rate getting a car loan from my bank? Are there other advantages using a bank? What, besides the convenience factor, would be the advantages if using Toyota Financial? This will only be my second car I have bought, so I am not familiar with going through my bank.

A.On the day I bought my car, Toyota's rate was the highest, by about 1/4 point. A week later, a friend of mine shopped around and found Toyota's rate to be the lowest. Nobody can answer the "better rate" question until several days before you actually buy the car. Even then, you'll need to figure in any incentives they may be offering.

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