It is vital to find out the APR (annual percentage rate), as this will allow you to compare one credit deal with another. However, lots of salespeople will avoid discussing this rate, preferring to discuss the flat rate, which does not take account of fees or when the interest is paid, making the deal appear less pricey. Make sure you find out the APR from them though, as this is the only proper method to compare the total price with other kinds of finance, like a personal loan. Ask the dealer for the total cost of finance, including fees, interest and all other charges.
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