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Can you negotiate the APR on a new car?

I have to finance my new car, but I want to get the lowest rate possible. Can you negotiate the APR on a new car?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, you can definitely negotiate the APR on a new car.
To do so, you may want to get preapproval from a lender to ballpark a reasonable rate. You can also use a
car loan
 aggregator to find a range of rates.
Once you have preapproval or reasonable rates in your head, you should be able to effectively negotiate a better APR for the length of the loan you desire.
If you do get a preapproval, it can help you know how much you can spend on the vehicle and what your monthly payments will be. It can also help you budget a bit better, provided you add in the cost of
car insurance
 as well.
Just like how you’re shopping around for the best deal on a car loan, you should also shop around for the best deal on car insurance. Using the free
Jerry
 app makes comparison shopping easy. Jerry does the hard work of finding the best deals and even helps with the signup paperwork.”
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