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A graduate’s guide to buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with interactive financial calculators and tools as well as publishing high-quality and impartial content. This allows users to conduct research and compare information for free to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this website come from companies that compensate us. This compensation can affect the way and where products appear on this website, for example the order in which they may be listed within the categories of listing in the event that they are not permitted by law. Our mortgage, home equity, and other products for home loans. But this compensation does affect the content we publish or the reviews that appear on this website. We do not cover the universe of companies or financial deals that could be accessible to you. Kali9/Getty Images

4 min read Published 16 September 2022

Written by Allison Martin Written by Allison Martin’s work started over 10 years ago as a digital media strategist. She’s been featured in a variety of top financial media outlets, such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers to manage their finances by providing clear, well-researched facts that break down complicated topics into bite-sized pieces. The Bankrate promises

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At Bankrate we are committed to helping you make smarter financial decisions. While we adhere to strict journalistic integrity ,

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We make sure that everything we publish will ensure that our content is reliable, honest and trustworthy. Our loans reporter and editor are focused on the things that consumers are interested about most — different types of lending options, the best rates, the top lenders, ways to pay off debt , and more — so you can feel confident when investing your money. Editorial integrity

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There are money-related questions. Bankrate has the answers. Our experts have helped you understand your finances for over four decades. We are constantly striving to provide our readers with the professional advice and the tools required to succeed throughout life’s financial journey. Bankrate adheres to a strict code of conduct policy, which means you can be confident that our content is honest and reliable. Our award-winning editors and reporters create honest and accurate information to assist you in making the best financial decisions. Our content produced by our editorial staff is factual, objective, and not influenced through our sponsors. We’re open about how we are able to bring quality content, competitive rates and practical tools for you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services or when you click on certain hyperlinks on our website. So, this compensation can impact how, where and when the products are listed within categories, with the exception of those prohibited by law regarding our mortgages, home equity, and other home loan products. Other factors, such as our own website rules and whether a product is available within your area or at your self-selected credit score range may also influence how and when products appear on this site. We strive to provide an array of offers, Bankrate does not include the details of every financial or credit product or service. It’s your turn to walk across the stage shortly to receive your diploma and now it’s time to enter the real world. A car purchase could be a part of your plan if you are going to be living in a place in which public transportation isn’t the most effective method to travel. Before you go to the dealership to choose the ideal ride, do your research and obtain preapproved and so that you can shop with confidence. Choose the car that’s right for your needs post-graduation. idea of buying your own car is exciting. But you should be careful not to being distracted, or you may choose a car that is in line with your preferences however isn’t practical. What’s your commute to and from work? If your commute is long, you may want focus your hunt down to cars that have good performance in terms of fuel efficiency — especially with how prices for gas are changing. It’s currently around $3.70 to the gallon in regular fuel, according to AAA that’s slightly lower than last month’s average of $3.96. However, this is more than the median price per gallon , which was $3.18 in the same year ago. Visit the and use its online tool to view the average annual cost of fuel for the vehicles you are thinking about. It is possible to narrow down by year, make and model, and then view some suggestions for the fuel-efficient cars. Dimensions and other features Can a small car be sufficient, or do you need something larger, such as an SUV or a pickup truck? What about the features — are certain ones a «must-have» in your list? If you recently landed an opportunity with a decent starting salary following graduation, you might be able to with the most recent technology and features. But, you may be better off with smaller vehicle without all the hassles until you get started and get more established in your job. Safety features How safe is the car you’re thinking of buying? Request a copy of the vehicle’s . It contains maintenance records and will reveal if the vehicle was involved in any accidents. The is another good resource. You can search for safety ratings and look for recalls by entering the car’s make and model, or VIN. Choose between used and new There is a lot to enjoy about a new car. It’s shiny, in top form and smells delicious. However, some are just as reliable. Additionally, you can purchase an extended warranty at around $1500, and get security knowing that you’re covered in the case the worst happens and you experience a mechanical malfunction. Consider the following when deciding between a brand new or used car: New cars are covered by a manufacturer’s guarantee. This insurance could save you lots of money in the event that your vehicle is damaged and requires major repairs in the initial couple of years after you purchase it. New cars usually have the latest technology. However, you may discover a second-hand vehicle with the features you want. Some used cars can have low mileage. This means that if you don’t encounter many mechanical issues for some time. The maintenance cost will likely be lower and you’ll get a better deal. Certain used vehicles are . They are issued the manufacturer’s seal of approval after being upgraded to a set standard mechanically , and come with an limited warranty from the factory. Consider the total cost of ownership of a vehicle. Besides the monthly installment, fuel costs and insurance premiums for automobiles You should also factor into repair and maintenance costs. In 2021, the median cost of maintenance, repairs and tires was 9.55 center per mile, according to . The costs can vary according to the vehicle you own and you can utilize the calculator to estimate how much you could be spending over the course of. The cost of annual registration renewals, which generally can range from as little as $20 to around $200 annually, is an additional factor to be aware of. Certain states have fees in a lump sum, while others use the vehicle’s age, the efficiency of its fuel or weight to determine the registration fee. Explore cars and apply for financing before going to a dealership Most dealerships offer in-house financing however, it’s better to get it begin shopping before purchasing an automobile. You should have a concrete idea of what you’re able to spend, and quotes from your credit union or bank will assist you in deciding on a purchase price that works. Additionally, you’ll have more leverage when . The sale won’t be contingent upon your ability to secure financing through the dealership and you’ll behave like the cash buyer. Understand the benefits of buying as opposed to. leasing There’s a lot of chatter around and what is the best option. Here are some benefits of both choices to think about: Lease payments on newer automobiles are usually less expensive. If your eyes are set on a certain car which is expensive, you may be able to afford the monthly payments by leasing. You’ll get a manufacturer’s warranty when you lease a brand-new vehicle. It usually covers you until 36,000 miles or three years, meaning you don’t need to worry about spending a fortune on repairs if an issue with your vehicle arises. There are no mileage restrictions when you purchase a car. However, if you choose to lease the car, you’ll be restricted to between 10,000 and 15,000 miles per calendar year, or risk racking up high mileage charges. The fees can range from 10 cents and 25 % of a mile, or more, according to the specifics that the contract for lease. The car is yours after the loan is paid in full. Lease agreements operate differently, though. The lease will require you to return the vehicle to the dealer after the lease expires unless you choose to . Next steps Ultimately, buying cars at college is one of the biggest purchases you will make. To ensure that you are getting the best deal make sure you do your research to find the right vehicle that fits your lifestyle and your budget. It’s equally crucial to be preapproved for financing before you visit any dealerships and evaluate the advantages of buying versus leasing to decide which option is best. Find out more

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Allison Martin’s work began more than 10 years ago as a digital content strategist, and she’s since been featured in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. 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 the confidence to manage their finances through providing clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces.

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