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Having an approved loan allows you to negotiate with dealers on what really matters - the vehicle price! If you purchase through Hertz Car Sales Smithtown, an. Bank of america in Smithtown, NY � getbestcarinsurance.org of America Financial Center. 31 Route � getbestcarinsurance.org of America. Larkfield Rd � getbestcarinsurance.org of. Get the best rate on a new or used vehicle loan through Bank of America's authorized dealer network in Saint James, NY.