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I'm buying my first car, and this probably seems like a dumb question..but here goes:
How does auto financing work? I understand the finanacial part, I'm actually talking about the physical part: do I need to have picked out the exact car I want and have the purchase agreement before I go to get finanacing at my bank? If I'm using my trade in as the down payment, do I need to have my trade in offer as I go to the bank, or do I just estimate?
I really don't get it...I'm buying from a place an hour from my bank. Do I have to drive there, get trade-in/purchase price agreement, drive back to the bank, apply for the loan, then drive back to the dealership?? Can I get the loan BEFORE I go car shopping?