You may have to recognise your own limitations! This is never an easy thing for anyone to do but if you're not comfortable with figures, interest rate calculations and financial negotiation then you may not be in the best position to find the best deal for yourself.
The first thing to remember about finance, is that when you have a great credit rating, the lenders will give you the best offers, but if you have bad credit, then you could find that you are charged the most money. It seems odd that you would have to pay more, if you have bad credit, but it is true.
Shop online. If you regularly order from various retailers you'll find yourself getting frequent emails encouraging you to spend more. Do online financial advisor a keyword search for specials and coupons, or free shipping before you place your catalogue order. Go to a major search engine and type the name of the company and the word coupons. You'll find sites that tell you the details of the coupon, the code or link to take advantage of this best catalogue finance option, and the expiration date.
There are various methods you can consider when it comes to car finance. Here are the different ways so you can have a clearer idea as to how car finance can be done.
The owner of the property keeps their name on the title but you get the right to occupy and you get what's called equitable title (in Queensland). The Government recognises the contract and it is stamped and processed by them. Check with a solicitor your legal rights. If you like you can contact our office, as we can put you in contact with solicitors who have a lot of experience with vendor finance arrangements.
There are specialist car finance web sites around that may be able to help. Using their expert knowledge of the markets and the specifics of your situation may mean that you find deals that you would not have otherwise known were even around. It may be worthwhile looking at these sites a little more closely.