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How to buy your first car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering interactive financial calculators and tools as well as publishing objective and original content. This allows you to conduct your own research and compare data for free and help you make informed financial decisions. Bankrate has agreements with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that are advertised on this site come from companies who pay us. This compensation may impact how and where products appear on this website, for example for instance, the sequence in which they be listed within the categories of listing and other categories, unless prohibited by law for our mortgage, home equity and other products for home loans. This compensation, however, does affect the information we publish, or the reviews that you read on this site. We do not contain the universe of companies or financial deals that could be open to you. FG Trade/Getty Images
4 minutes read. Published March 02, 2023
Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ways and pitfalls of borrowing money to buy a car. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to take control of their finances through providing concise, well-studied information that reduces complex topics into manageable bites. The Bankrate promise
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At Bankrate we strive to help you make better financial choices. While we adhere to strict journalistic integrity ,
This article may include some references to products offered by our partners. Here's an explanation for how we make money . The Bankrate promise
Established in 1976, Bankrate has a long history of helping people make smart financial choices.
We've maintained this reputation for more than four decades through making financial decisions easy to understand
process, and giving people confidence about the actions they should do next. process and gives people confidence in the next step.
You can rest assured you can trust us to put your needs first. Our content is authored by and edited by ,
who ensure everything we publish will ensure that our content is reliable, honest and reliable. We have loans reporter and editor focus on the things that consumers are interested about most -- the various kinds of loans available as well as the most favorable rates, the top lenders, how to repay debt, and much more. So you'll feel safe investing your money. Integrity of the editing
Bankrate has a strict policy and rigorous policy, so you can rest assured that we're putting your interests first. Our award-winning editors and reporters provide honest and trustworthy content that will assist you in making the right financial decisions. The key principles We respect your confidence. Our aim is to offer readers reliable and honest information. We have editorial standards in place to ensure that this happens. Our editors and reporters rigorously fact-check editorial content to ensure that the information you're reading is true. We maintain a firewall between advertisers as well as our editorial staff. Our editorial team does not receive direct compensation through our sponsors. Editorial Independence Bankrate's team of editors writes for YOU the reader. Our aim is to provide you the most accurate advice to help you make smart personal finance decisions. We follow strict guidelines in order to make sure that the content we publish isn't in any way influenced by advertising. Our editorial team receives no directly from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you're reading an article or a review it is safe to know that you're getting credible and reliable information. How we earn money
If you have questions about money. Bankrate has the answers. Our experts have been helping you master your money for over four decades. We continually strive to provide our readers with the professional advice and tools needed to make it through life's financial journey. Bankrate follows a strict policy, which means you can be confident that our information is trustworthy and accurate. Our award-winning editors, reporters and editors create honest and accurate content to help you make the best financial decisions. Our content produced by our editorial team is objective, factual and is not influenced through our sponsors. We're honest about the ways we're capable of bringing high-quality content, competitive rates, and useful tools for you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and, services, or when you click on certain links posted on our website. Therefore, this compensation may impact how, where and in what order the items appear in listing categories, with the exception of those it is prohibited by law for our mortgage or home equity products, as well as other home loan products. Other factors, like our own rules for our website and whether the product is available within the area you reside in or is within your own personal credit score could also affect how and where products appear on this site. Although we try to offer an array of offers, Bankrate does not include information about every financial or credit product or service. The average monthly amount for a used car is $526 for the 4th quarter in 2022, and new cars were sitting higher at $716, according to . For a new buyer, these numbers can feel intimidating and even more daunting when you're not familiar about the process. However, confidence is about preparation, so take your time before you go to the internet or to a dealer to learn the most important steps to take when you are buying your first vehicle. 1. Decide how much you are able to pay for buying a car that is successful is to first determine . The credit rating, monthly income and the type of vehicle you're looking for must all be taken into consideration when making the decision. The most important thing is to find a compromise between fitting your budget and selecting a car right for your requirements. When budgeting, look at the whole picture, not just the sticker price that you will see advertised. The true out-the-door price is the total cost you will be expected to pay, which includes dealer fees and taxes. When you've got that number -- or a suitable estimate, you can factor in your average salary and use a , which can assist you in determining what the monthly cost to finance the vehicle will be. Tips from Bankrate
Car ownership has its own costs, an expense, so ensure that you've got room in your budget for any additional expenses.
2. Make a savings account for a downpayment Your future car is the first lump sum you'll pay. Aim to cover at least 20% of the cost of purchase, that could take a while. Being patient and saving up for a is likely beneficial if you are able to delay getting a car until you have the funds. This can save you money overall and lower your monthly costs. If you are unable to put off making the lower down payment. But, you might not be able to get a favorable rate from your lender. In this instance, think about the option of a cheaper vehicle. The less you pay overall, the less you will need to save for a downpayment. 3. Examine your credit history If this is your first significant investment in a financial institution, it's possible there isn't a long credit history. If this is the case, you should check your credit history to determine which loan options are available. The credit score of yours is the primary element that lenders look at when determining the interest rates you will be offered. The higher your credit score will be, the better your interest rate will be. Check your credit score before meeting with a dealer. You can do it online through or for free at . It's best to ensure your credit is in good shape before applying for vehicle financing If you are able to. 4. Choose the right car for you. Choosing the vehicle that is the best fit for your needs requires much more than just style or color. Take into consideration other aspects, for instance, the car's longevity and size to meet your needs, technology and safety features, as well as gas mileage , and the weather where you reside. Look up these figures and additional details on how much the vehicle you are interested in typically sells for. This is also a good time to determine if you want an . While a new car is an exciting option, certified used (CPO) will give you a lower price tag and still offer the latest features, as well as manufacturer-backed warranty. If you're not forced to drive as soon as possible You can save money by waiting . 5. Get prequalified for financing after you gather some information on the kind of car you wish to purchase and your financial history, apply with lenders that offer prequalification. This is essential to save money as well as putting you in charge when it comes to choosing the most appropriate financing option. Prequalification is different from full approval. Therefore, even after the prequalification procedure closes, it's still not a complete agreement. Preapproval is a good way to provide you with an idea of possible rates and terms. You'll still need to complete an application form, but you will be able to determine of whether you're able to pay for the loan ahead of time. You will need the following for prequalification your finances and income. Personal information. Employment information. Any current debt. 6. Visit the dealer- in person or online After prequalifying for a loan and setting your sights on the car you want to buy, it is time to begin the buying process. Ideally, you should look up the types of cars available in your area. The majority of dealers will list their inventory on their websites. They also allow you to set up appointments. It is essential to sit behind the wheel of the potential car and take it on an inspection before you purchase. Make sure you alter the seat and see if it fits in your garage and can handle your day-to-day routine. But you are not limited to the dealers local to you. Online dealers like Carvana, TrueCar and Vroom give you access to a national inventory of used cars. You can search and apply for financing without leaving the house If you decide to purchase one, you are given up to seven days to test drive your car and have it . 7. Negotiate Negotiation isn't easy, however, getting the best deal is in the form of taking a stand for yourself. Be prepared with all the paperwork required, a clear knowledge of your credit history and be prepared to inquire. But the bottom line is: be ready to quit if you are unable to secure the loan you want. When it's time to close the deal, be firm on the deal's agreed-upon amount. The dealer is likely to press for . Don't accept options such as paint protection or fabric in the event that an additional option like gap insurance may be more beneficial. The next steps to negotiate can be daunting However, finding the best deal comes in the form of standing up for yourself. Bring any documents required, as well as a thorough understanding of your credit score and to ask. Be focused on the purchase price and not on the monthly installment. Be prepared to leave if you can't get the deal you deserve. When the time has come to conclude the deal, keep your stance on the finalized number. You can expect the dealer to push for . Do not accept options like paint protection or fabric, while an extra option such as gap insurance may be more beneficial. Learn more
Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ins and outs of securely borrowing money to buy an automobile. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to control their finances with precise, well-researched and well-researched facts that break down complex subjects into bite-sized pieces.
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