Author: MyAutoResource Editorial Team

The MyAutoResource Editorial Team covers the money side of owning a car: auto loans and refinancing, buying and trade-in strategy, insurance decisions, extended warranties, and used-car research. We build every article around a real ownership decision and concrete dollar figures, and we draw on primary sources including the Federal Reserve, the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), NHTSA, Experian, Cox Automotive, Edmunds, and Consumer Reports. Each article is reviewed for accuracy and plain-language clarity before it publishes, and we update our guidance as rates, programs, and market conditions change.

In New York the Dealer Doc Fee Is Capped at $175 by Law. In Georgia, One Buyer Was Charged $700 for the Same Line Item.

A Pennsylvania dealer cannot legally charge more than the state's posted documentation fee ceiling. A Georgia dealer can charge whatever the market allows, and…

She Rolled $5,073 of Negative Equity Into Her Next Auto Loan. The Lender’s 125% Ceiling Still Left $2,636 She Had to Pay in Cash.

A rolled-over negative equity balance only moves through the next loan if it fits under the lender's loan-to-value ceiling, and that ceiling is a…

Two Identical Sedans, Same Price, Same Mileage. One Still Had Four Years and Seven Months of Factory Powertrain Coverage Left, and the Listing Never Said So.

Mileage is the filter every used-car search uses. It's the weaker of the two numbers that actually matter, and no listing volunteers the other…

He Still Owed $21,000 on a Totaled SUV. The Insurer’s $18,400 Check Went Straight to the Bank, and His Car Payment Came Due Anyway.

The insurer's total-loss check does not go to you first, and it does not stop your loan payment either. Here's the sequence that actually…

The Finance Manager Said “It’s Your Credit” and Sent Him Home. Nine Days Later, a Letter Named Four Specific Reasons He Never Mentioned.

A dealership finance manager can turn you down with one word. Federal law says the written notice that follows has to say a lot…