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FINANCE

F&I Office (Finance & Insurance)

The room where the F&I manager sells you back-end products after price is set.

// Why it matters

After you negotiate the vehicle price with the salesperson, you get handed off to the F&I manager. Their job is to sell back-end products: extended warranty, GAP, tire & wheel coverage, paint protection, anti-theft. Each upsell adds $500-$3,000 to the deal. F&I managers are heavily commissioned and trained in objection handling. Default to "no" on everything unless you've specifically researched a product in advance.

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