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What that monthly payment really hides: the rate, the term, the trade-in, and the total interest you will pay before you own the car free.
Why the term matters more than the rate
Salespeople will negotiate your monthly payment, not your total cost. Stretching a $25,000 loan from 48 to 72 months drops the monthly by hundreds while adding thousands in interest and leaving you upside down on the car for years. Always look at total paid, not just monthly.