NEVER negotiate based on monthly payments. One of the most common questions a car salesmen will ask you is: "How much do you want to spend per month?" If you answer incorrectly... that salesman is going to know he has a sucker in his hands! The proper response to that question should be: "The monthly payments are not important - the sale price of the car is what is most important to me." Never enter a dealership and ask: "Can you get me this car for $XXX per month?"
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