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4 minutes read. Published 21st October 2022

Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ways and pitfalls of borrowing money to purchase an automobile. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complex issues into digestible chunks. The Bankrate promises

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So, this compensation can impact how, where and when products appear within listing categories in the event that they are not permitted by law for our mortgage, home equity and other home lending products. Other elements, such as our own rules for our website and whether or not a product is available within the area you reside in or is within your self-selected credit score range may also influence how and when products appear on this website. We strive to provide an array of offers, Bankrate does not include details about each financial or credit item or service. The process of buying a car for the first time can be a daunting task, and one of the toughest elements to complete is knowing which direction to take. From identifying the right car to fit your lifestyle and budget to negotiating a deal there are many steps involved. New car prices are high due to rising inflation and the limited stock . This means it’s crucial to be well-prepared to make the purchase. If you are planning to purchase a car in your future, take these steps to ensure you get the best deal and car that meets your needs. Before heading to the lot research. A lot of the research involved in purchasing the latest car is done before you ever step to the floor of a dealer. Here’s where you can begin. Make a list of goals. It may sound obvious but the first step is to choose what vehicle you want with regard to the features that are necessary versus just being nice to have. Check pricing. Before entering negotiations, understand the current market prices and establish goals for the amount you are willing to spend. is a great resource to research current vehicle pricing before arriving at the dealer. Explore financing options. There are two primary choices for car financing that you can choose from: and . Pros and Cons to both options. Independent lenders could offer a lower interest rate and dealerships might offer incentives, such as- if you take out an loan via them. Take a look at the calculations. Owning a vehicle costs far more than just the sticker price. Be prepared to cover extra costs, such as gas, insurance, registration, taxes and other fees. Be sure to check your credit score. Similar to most purchases, your credit score is an important factor in your rate of interest. And before you visit the dealer. Make sure you have your paperwork organized prior to going to the dealership. Arrive at the dealership prepared with your driver’s license, proof of payment method and evidence of insurance. If you’re financing through an auto dealer, then you’ll also need proof of employment, income and your residence. You can get preapproved for the car loan with at least three lenders. It only takes just a few minutes of your time. A loan preapproval provides you with the same negotiating capability as cash buyers and lets the dealer know that you’re serious. Most preapproval letters are valid for up to 30 – or 60-days. While on the lot: Researching the car A test drive is among the most crucial aspects of your car purchase. Investigate all aspects of your car keeping your lifestyle in your mind. Check out the details. This will be your vehicle for a long time, so be prepared to explore the ins and outs to make sure it’s the right model for you. Can the seat be comfortable? Can you easily access the spare tire? Does the trunk have enough space? Create a test track. Check the car out in the same conditions in the same conditions you’ll drive it — on the freeway, in stop-and-go congestion, parking lots as well as on slopes. If you’re not familiar with the area , inform the salesperson the type of driving you want to perform and ask where to go. Get behind the wheel. You can take your time in the driver’s seat as you test your brakes and parking in tight spots and verify the visibility. It is also important to check the road noise and smoothness of the ride. Compare the car on the lot to the list you made. Remember that list of nice-to-haves and essentials you made? When you’ve found a car, ensure the vehicle aligns with those priorities so you get the and life style you want. Leave emotions at home. If you’re in the new car that’s on the road, enjoying its advanced features and the fresh smell of the car, it’s simple to overlook your spending plan and must-haves and let your emotions rule the day. If you find a car you love that doesn’t meet the criteria you set, head to your home and consider the purchase prior to making a decision. On the lot: Deal-making Once you have chosen your ideal car, you’ll need to be ready to inquire about the details and bargain to secure an affordable price. Check for deals. Dealerships will have special pricing depending on the or even the time on a week. Look for special prices or rebates before meeting with a salesperson. Do not discuss trade-ins. A salesperson will likely push for a , but it’s best to discuss the purchase price prior to discussing your old car. That way, the dealership will not have an estimate to consider that is based on the worth of the vehicle you previously owned. Offer a counteroffer. Make use of the number you found when researching market value as your guideline. The trick to counteroffer is to not be so outrageous that the dealer won’t consider you a serious buyer while pushing back enough to secure the most favorable price. Be confident when negotiating. Negotiation is among the most dreaded aspects of car purchasing. But if you come to the most favorable deal on car price and dealer financing, if applicable it could mean you save money. Remember, don’t rush your negotiation; always be ready to leave when you’re not satisfied with an offer. Take the time to read the small text. Before signing the dotted line, read the entire contract. Pay particular attention to cash due at the beginning, as well as closing costs as well as . Many of these fees are negotiated or waived through the seller. The bottom line Buying a new car will impact your budget for years, so be sure you’re prepared before you start the process. Find out about the cars you like before heading to the dealership, crunch the numbers and figure out the amount you’re willing to pay. When you go to the dealer, you should leave your emotions at home and focus about your budget. Find out more


This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the details of taking out loans to purchase an automobile. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances by providing clear, well-researched details that cut otherwise complex topics into manageable bites.

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