Washington - The Federal Trade Commission has issued a Facts for Consumers report meant to protect car buyers against ads that promote low interest rates but may not offer genuine savings. The FTC report suggests asking dealers to clarify points such as whether the advertised interest rate depends on a higher-than-usual downpayment, a 'condensed' term (24 or 36 months), or a large balloon payment at the end of the loan. Moreover, consumers are advised to educate themselves fully and comparison shop to find the best prices and financing terms.

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