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Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing original and reliable 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 Earn Money The products that appear on this website come from companies who pay us. This compensation could affect how and where products appear on the site, such as such things as the order in which they be listed within the categories of listing and other categories, unless prohibited by law for our mortgage or home equity, and also 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 contain the universe of companies or financial deals that might be open to you. AleksandarNakic/Getty Images

4 minutes read. Published April 20, 2022

Kellye Guinan Kellye Guinan. Written by Personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with more than five years’ experience in personal finance. She also is a full-time worker at her local library, where she assists her community access information about financial literacy, among other topics. 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 gain the confidence to manage their finances through providing clear, well-researched information that breaks down otherwise complex topics into manageable bites. The Bankrate guarantee

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If you have questions about money. Bankrate has answers. Our experts have been helping you master your finances for more than four years. We are constantly striving to provide consumers with the expert advice and tools required to be successful throughout their financial journey. Bankrate adheres to strict standards , so you can trust that our content is honest and precise. Our award-winning editors and reporters provide honest and trustworthy content that will help you make the right financial decisions. Our content produced by our editorial staff is objective, factual, and not influenced from our advertising. We’re transparent about how we are capable of bringing high-quality content, competitive rates, and helpful tools to you by explaining how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and services, or through you clicking specific links on our site. Therefore, this compensation may influence the manner, place and when products appear within listing categories, with the exception of those prohibited by law for our mortgage or home equity products, as well as other home lending products. Other elements, like our own rules for our website and whether a product is available in your area or at your self-selected credit score range may also influence how and when products appear on this website. Although we try to provide a wide range offers, Bankrate does not include specific information on every credit or financial products or services. Trucks are a complex thing. There are many different options, and the type and strength you need will depend entirely on how you’ll use it. Learn about the typical features such as powertrain and axles, the cab’s size and towing capacity prior . Selecting a pickup will require a lot of research, but preparation will lead to an informed decision that will suit your needs and financial needs. How much power do you need? A truck with greater horsepower, towing capacity , and torque will cost you more. The price isn’t the only factor obviously, but you should consider whether you actually need an extremely powerful engine before you spend thousands of dollars to purchase it. Diesel engines is a great option, and offers more power — can also be a costly addition. An engine with a V6 or V8 is more popular and provide more power, but there are also four-cylinder engines to accommodate smaller weights. If you’re looking to haul a lot to buy groceries, think about a more compact model that offers an automatic gas engine that is fuel efficient and has high efficiency. A smaller engine may be better for your budget and needs. What is the amount you’re hauling? A midsize truck is your best option if you don’t have plans to haul large boats or trailers. They’re more affordable and offer better performance than their full-size counterparts. Midsize trucks are best suited to smaller loads, not towing. Because of their weight reduction, you’ll also pay lesser for gas. This means that if you’ve something to haul, go for a full-size truck. There are heavy-duty and light-duty options for almost all full-size models available. Naturally, trucks meant for light-duty use will haul less — but again they are more fuel efficiency due to their lighter weights. Keep in mind that towing capacity and payload capacity differ. Towing is how much your truck is able to carry behind it. Payload is how much it can handle in the bed. Even if you’re not planning to mount a strong-duty horse trailer onto the back of your vehicle, you should make sure the payload of the trailer meets your needs. Do you need two- or four-wheel drive? A vehicle with two wheels is less costly and offer . You’ll be able to select either front- or rear-wheel drive. Whichever one you pick, it’s best suited to stay on the road. A truck that has four-wheel drive is more suited to going off road and in slippery or icy conditions like on a boat launch. You’ll get more traction, but your truck will not be as efficient in fuel. What size of cab space do you need? The cab space is to be one of the most important aspects for truck drivers who are not experienced. For the majority of drivers the time, a cab with a crew will make the most sense even though it will require more expense. Single cab is the traditional two-door design. They typically only seat three persons, but they can often accommodate larger beds. Extended cab: Extended cabs basically are the equivalent of a cab and half. You’ll have two smaller doors and limited leg room in the back, but it’s a good compromise between the one-cab and the crew cab alternatives. Crew cab: Crew cabs are the one with four doors that resembles a sedan or SUV. The capacity of a cab varies by model and trim however they’re the ideal choice for those who have passengers in your back frequently. Options for fuel You’re not limited to just gasoline or diesel. Companies like Ford have pledged to offer more in the coming years. However, they are new and could restrict your towing or payload capacity. Between diesel and gas Diesel engines are a little more efficient in terms of fuel consumption. They also have greater power to trucks that are in use. But, they’re also expensive to buy and to fuel. For people who don’t drive often the gas engine might be best. They offer more versatility and are less expensive than diesel or electric engines. They are more likely to be found on these on the bed , too. Long or short bed? The larger your bed, the smaller your taxicab. If a crew cab is necessary then you’ll likely end up with a shorter bed. If you require a longer bed, you may need to opt for one or an extended taxicab. The most important thing to think about is the frequency at which you’ll be putting things in the bed. If your truck is mostly for aesthetics -and there’s nothing wrong with it — a smaller bed is easier to park and maneuver. It will likely also be ample space when you do need to transport something bigger. Are you buying new or used? New trucks will give you the possibility of being particular about the entirety of your vehicle inside and out. This is certainly an investment- new trucks are expensive however if you have a style, technology, or other features you want to have then a new model is the best way to take. A used car is a more reasonable option. It is possible to purchase the exact vehicle you want, but you will get rid of the cost of depreciation. If you’re just looking for something practical, there are older models available that are cheap and reliable. It depends entirely on your budget and priorities. A brand new vehicle will be expensive but could be more fuel efficient or offer more tech. A used truck may be less efficient in fuel however the lower cost could mean it is cheaper to drive. Manual or automatic? This is more of an individual decision. There isn’t a huge cost difference between them, though some trucks may come standard with one or both. For suburban or city motorists, automatic provides an easier to drive. But if you need more control when off-roading, a manual transmission might suit you better. Next steps Once you have considered the bigger aspects of owning a truck, begin looking at specific models and trims. These will help you get an idea of the cost you’ll be considering. If you are aware of this, you’ll be able to book a cab at a reasonable rate of interest.

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Written by Business and personal Finance contributor Kellye Guinan is a freelance editor and writer with more than five years ‘ experience within personal financial planning. She’s also an employee full-time at her local library where she helps the community gain access to information on financial literacy, in addition to other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances through providing clear, well-researched information that breaks down otherwise complicated topics into digestible pieces.

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