When you're shopping for an auto for which you'll need financing, be sure to ask:

• What is the total amount of the loan?
• What is the interest rate on the loan? Is it fixed or variable?
• Is this the lowest rate you offer to consumers? If not, why don't I qualify for that rate?
• What is the APR?
• What are all the fees included in the APR? Are there fees that are not included?
• What is the term of the loan?
• What is the monthly payment?
• What is the total finance charge I'll pay over the loan term?