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Do your research Find out what manufacturer deals are on offer. These might include interest-free or low APR rates, or even deposit contributions.

Shop around Dont assume the dealer is the best place to get finance; many internet companies also now provide competitive loans.

Compare like with like Dont just focus on monthly repayments. The APR is your benchmark and will tell you how much a loan will cost over its lifetime.

Haggle A salesman wont offer you the best finance rate straight away. Bargain hard and you could make a big saving.

Be alert Dont be talked into anything youre unsure of. If you dont understand, ask, and get the dealer to put everything in writing.

Find Specialist Automotive Finance dealers at financingyourcar.org.uk The FLAs approved scheme is backed by Trading Standards.