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Car Sales & Financing

Car Sales & Financing

Working Cars for Working Families

Learn how to secure a fair deal when buying and financing a car at NCLC's Working Cars for Working Families


A car is often essential for working families.  The family car can be the key to a better job or any job at all, access to health care, and the ability to find affordable housing with access to child care and a reasonable commute. All too often abuses in the sale and financing of cars hinder the efforts of families to buy and keep a safe, reliable car at reasonable terms. Families are maneuvered into buying cars with defects known by the dealer but not disclosed to the consumer.  Financing arranged by the dealer is designed not to help the consumer get the best deal, but instead to line the dealer’s pockets through unfair practices such as loan packing and dealer mark-ups.  High pressure sales tactics, fraud, and abusive practices such as yo-yo sales, are used to put families in cars and loans that trap families with negative equity, high payments, and unreliable cars.

NCLC and a number of other organizations are engaged in an effort to change both policy and practice to ensure that working families get a fair deal when buying a car. More information about that effort will be available soon.

To view our most recent auto-related trainings and webinars please click here.

Policy Analysis

Comments & Letters

Testimony

  • Testimony of John W. Van Alst on "Consumer Protection in the Used and Subprime Car Market" before the Subcommittee on Commerce Trade and Consumer Protection of the Committee on Energy and Commerce United States House of Representatives, March 5, 2009
  • Testimony Before House Financial Services Committee on the Need for Race, Age and Sex Data on Non-Mortgage Lending, July 16, 2008

Reports and Press Releases

Litigation

Links

GM and Chrysler Bankruptcies

The Status of Product Liability, Warranty and Lemon Law Claims for New GM and Chrysler