<h1>Smart Strategies for Negotiating Car Payments</h1>
Looks like your new car will be $400 a month for 36 months. Oh, no way I can afford $400 a month.

Okay, fine, but don't tell my manager we did this. We can knock it down to $375 a month for 39 months. That way you get to keep the car even longer.

I don't know, $375 is still a little expensive.

Okay, but this is only because I really like you. We're probably losing money on this one.

We can go to $350 a month for 36 months if you just toss in $2,000 down payment.

I guess that sounds okay. But let me just check the numbers real quick.

Oh, no, you don't need, hey, wait a minute. Even though the monthly kept going down, that just got more expensive for me each time.

Oh, really, we didn't even, now on let's stick to talking MSRP and no more of this monthly stuff.

Fine, but how did you know that we shouldn't be talking monthly?

I just follow Social Cap because he makes complex finance seem easy.