APR and fees
Ask for the annual percentage rate, origination or dealer fees, any assumed tax-credit prepayment and the total financed amount. Promotional figures may use assumptions that are not a guaranteed outcome.
Payment schedule
Review the number of payments, fixed or variable features, prepayment rules and any payment change after a specified date. Confirm the monthly amount directly with the lender.
Approval and affordability
Credit approval, rates and terms vary. Consider the payment alongside remaining utility charges and household budget, and do not rely on future incentives to afford a loan.
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