Here are three tips that will help you to save money. Negotiating payments is one of the worst things that you can do when buying a car with bad credit. Buy here, pay here dealerships will cost you more in the short and the long term, and online auto loan companies can provide good options vs in house finance. Negotiate Price First. It is a common tactic that car salesmen are trained to do… get the customer focused on negotiating payments, rather than the price of the vehicle. The reason for this is simple. If you negotiate payments, then you really don’t have any idea what the price is that you’re paying for the car. Your interest rate is also an unknown until you get ready to sign the contract. By keeping your negotiation focused on the price of the vehicle, or the trade difference, you will save money. Avoid In House Financing. Dealerships that offer to finance their cars to anyone that has a down payment can cost you more money in the short and long term. The prices are high on cars that are sold to people that are desperate for auto financing and these dealerships know how to get away with it all too well. You’ll do much better if you avoid buy here, pay here dealers.