What can I negotiate in the F&I office?

Almost everything except the loan APR if you're using dealer financing (and even that's negotiable if you have an outside pre-approval). Extended warranties, GAP insurance, paint protection, and dealer doc fees are all negotiable — and most are cheaper outside the F&I office.

All terms

Ownership & PricingGlossary

F&I (Finance & Insurance Office)

The dealer office that handles loan paperwork and sells add-on products.

F&I is where dealers earn 40-60% of their profit on a deal. Common upsells: extended warranties (200% marked up), GAP insurance (300% marked up), paint protection, fabric protection. Almost everything sold here can be bought cheaper outside.

Frequently asked

F&I — FAQ

Put it into practice

Where F&I matters on CarSavr.

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Related terms

Dealer Markup (ADM)

A charge dealers add above MSRP, common during shortages or on high-demand vehicles.

Extended Warranty

A vehicle service contract that pays for certain repairs after the factory warranty expires.

GAP Insurance

Guaranteed Asset Protection — pays the difference between what you owe and your car's value if it's totaled.