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Don't trust the dealership when they say they can offer you the best rates. Walk onto the lot with an approved loan in hand and you'll find the process of buying a car much more enjoyable. With a check in hand from your lender, you are able to tell the dealer exactly how much you are willing to pay for a car. Many times the dealer will knock thousands of dollars off the cost of the car if you have a check ready. If the dealer can get you approved for a lower rate than what you already have, then that's even better.