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Car ads might promise low payments, no interest, or zero down. But is there a catch? Here’s what you need to know.


You see the ads-- low price, low payments, no interest, zero down, guaranteed trade-in offers or rebates. Sounds good, but when you get to the dealer, there could be a catch. To get the low price you saw advertised, you might have to make a big down payment or pay extra fees. 

What about that 0% financing? It turns out you might need sky high credit score to qualify. And the extra low monthly payment-- maybe to start, but it could balloon into a much bigger payment later on. 

Learn as much as you can about a dealer's reputation ahead of time. And when it's time to sign a sales contract, make sure the deal and terms you agreed on are in the contract. You're in the driver's seat. 

If you can't get the advertised deal or one you feel good about, just walk away. If a dealer isn't honest when it comes to its car ads, let the FTC know. Want to know more? Visit 

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