HERE'S A BIG TIP: ALWAYS HAGGLE. The first deal you're offered is not the bottom line. It's especially easy to get a better deal if you've been offered a better one by someone else. You can use this as ammunition. You'll likely be dealing with a call centre or a junior officer initially. You can say you're interested, but want a better deal, close the conversation, hang up, then wait for them to get back to you.

If they want your business, they will call back. They may try to 'sell you up' to something more expensive. It's their job, so don't take it personally. For their part car refinancing lenders are not obliged to give you the best deal, despite what consumer web sites tell you. This 'somebody owes me' attitude is contrary to the basic spirit of capitalism: "Caveat Emptor", or "Buyer Beware!"

Another trick I use is to type 'refinancing a car forum' into a search engine, and see what comes up. If you find a lively forum, you can ask questions about the lender you're keen on, or ask for other users' recommendations. WARNING: Some touts for lenders lurk in these forums; you may not get unbiased advice. Also, some posters are overly negative; they hate everyone! Or they are fools, or ignorant. Search thoroughly: you'll know the truth when you find it.

If your credit Score is less than 600 don't submit loan applications that keep getting rejected. The rejections will drop your credit score even further. Look for a specialist bad credit lender.

Try to make sure you are comparing like with like, when shopping for refinancing for a car on the internet. Are you getting the best deal from a reliable lender? Or are you getting a cheapo deal from a fly-by-night carpet-bagger, who, when you need them most, will not return your calls?

Never pay cash for a deposit on a car. If the deal goes bad some dealers will not give you your cash back. You can  always dispute a credit transaction. Have a clean credit card to handle deposits, and purchases, don't pay cash.

Our refinancing a car advice is tailored to the specific needs of clients. Whatever your needs, we will find a solution that's right for you.

Before going out looking for convenient refinancing a car, sit down and begin doing some budgeting. Get paper and pen ready, and start by making a complete list of your expenses.

• The maintenance costs of your car;
• Your own living costs;
• Payments you have to make to support any relatives that are depending on you (and this may not be limited to your children's care);
• Contributions to pensions and
• Every other household expenditures must appear on that list.

You should ask yourself if you truly need refinancing for a car. Can you manage without? While lenders might make it easy for you, they're not your friends. They're in business to make money. They also make oney on things like fees and insurance. You need to focus on the total cost, and watch your personal finances. Too many people are skating on thin ice for too long.

Some lenders  quote a lower monthly payment, but the trick is that the loan is for a longer period e.g. they offer 36 months vs. 24 months offered by your bank. Your monthly payments are lower, but you end up paying a lot more. Always compare like with like. And get a software loan calculator, to check what you're being offered.