Please choose the correct ending to complete the given sentence: Cars & Other Vehicles: [header] How to negotiate with a car salesman [title] Try to secure financing before you shop. [step] If you wait to get financing through the dealer, then the dealer will have the upperhand in the negotiation. If you come to the lot with financing secured already, you will have that as a tool in your negotiation.

Ending1: However, if the dealer does not offer a financing option or turns all of his or her cards in your favor, then you should prepare to compromise to the best of your ability. [substeps] It is a good idea to compare all assets to verify that they are sufficient for the business in which you are buying them. Ending2: [substeps] Go to your bank or credit union to apply for an auto loan. You're likely to get a better deal with lower interest, depending on your credit score and if you already have an established relationship with that bank as a customer. Ending3: However, if you don't accept financing from a dealer over the phone or in person, then you could lose a chance at negotiating. Once the dealer has enough money to cover your agreed purchase price, you probably won't get any in return. Ending4: Get the following list of financing options from the dealer before you start negotiating : [substeps] Insurance for the car. Many car companies offer this for free or for a reduced monthly amount.

Answer format: ending1/ending2/ending3/ending4