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4 min read Published October 21, 2022

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ways and pitfalls of borrowing money to purchase a car. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to manage their finances by providing concise, well-studied information that breaks down otherwise complex topics into manageable bites. The Bankrate promises

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who ensure everything we publish will ensure that our content is reliable, honest and reliable. Our loans reporter and editor concentrate on the things that consumers care about the most — the various kinds of loans available as well as the best rates, the top lenders, ways to repay debt and much more. So you’re able to be confident about investing your money. Integrity in editing

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Therefore, this compensation may affect the way, location and in what order products appear within listing categories and categories, unless it is prohibited by law. This is the case for our mortgage, home equity and other products for home loans. Other factors, such as our own proprietary website rules and whether a product is offered in your region or within your self-selected credit score range may also influence how and where products appear on this site. While we strive to provide the most diverse selection of products, Bankrate does not include information about every credit or financial product or service. The process of buying a car for the first time can be a daunting task as well. One of the most difficult aspects to complete is figuring out where to start. From identifying the right car for your needs and budget, to negotiating the best deal, there are numerous steps to follow. Prices for new cars are rising due to inflation and limited stock . It is therefore crucial to be prepared for the buying process. If a purchase of a vehicle is planned for the future, follow these steps to ensure that you find the most affordable car that meets your requirements. Before heading to the lot research. A lot of the research involved in purchasing the latest car is done before you even set foot in a dealership. Here’s how to begin. Make a list of goals. This may seem obvious, but your first task is decide what vehicle you want with regard to the features that are essential versus simply being good to possess. Check pricing. Before you begin negotiations, be aware of market pricing and set expectations for how much you are willing to spend. It is a fantastic source for researching current car prices prior to arriving on the dealership. Research the financing options. There are two choices for financing your car: and . There are pros and cons to both of them. Independent lenders might offer you an interest rate that is lower and dealerships might offer incentives -for examplewhen you get the loan through them. Take a look at the calculations. A car’s purchase costs more than just the sticker price. Be prepared to cover additional costs, like , gas, insurance, registration, taxes and other fees. Check your credit. Like most major purchases the credit score of your prospective buyer is an important factor in your rate of interest. Before you go to the dealer. Make sure you have your paperwork organized prior to going to the dealership. Be at the dealership with your driver’s license, proof of payment method, and proof of insurance. If you are financing through an auto dealer, then you’ll need proof of employment, income and residency. You can get preapproved for a car loan with at least three lenders. It only takes about a minute of your time. A loan preapproval grants you the same negotiation ability as a cash buyer and lets the dealer know that you are serious about business. The majority of preapproval letters are valid for 30 or 60 days. While on the lot: Researching the car A test drive is among the most important elements of your car purchase. Explore every aspect of your car keeping your life in your mind. Check out the details. This will be your vehicle for a long time Be prepared to research the ins and outs to make sure it’s the perfect model for you. Can the seat be comfortable? Can you easily access an extra tire? Is the trunk large enough? Plan a test route. You can test the car in the same environments in which you’ll be driving it — on the freeway, in stop-and go traffic, in parking spaces or on hills. If you aren’t familiar with the area well, tell the salesperson what kind of driving you’d like to perform and ask where to go. Get behind the wheel. Enjoy some time as you test your brakes, park in tight spaces and test the visibility. You’ll also want to monitor road noise and ride smoothness. You can compare the vehicle on the lot to your checklist. Do you remember the list of desirable items and essentials you made? When you’re on the lot make sure the car is in line with your priorities to ensure you can enjoy the life style you want. Leave emotions at home. When you’re sitting in that new car on the lot, enjoying its advanced features and the fresh smell of the car it’s simple to overlook your spending plan or must-haves and let emotions take over. If you find a car you like but doesn’t fit your initial requirements, drive home and contemplate the purchase before making a decision. On the lot: Deal-making After you’ve selected the car you want to drive home, you’ll need to be prepared to ask questions and negotiate to get an affordable price. Check for deals. Dealerships will have special pricing according to the time during the week. Find special pricing or rebates prior to meeting a salesperson. Avoid discussing trade-ins. Salespeople will probably insist on a trade-in purchase, but you should discuss the purchase price prior to talking about your old vehicle. This way, the dealer will not have a figure in mind 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 a guideline. The trick to counteroffer is to not be so outrageous that the dealer won’t be taken seriously, and yet push back enough to get the best price. Be confident when negotiating. Negotiation is among the most stressful aspects of car buying. If you can negotiate to the most favorable deal on car price and dealer financing, if applicable, you may save big. Don’t overdo your negotiations; be ready to walk away when you’re not satisfied with the offer. Take the time to read the small text. Before signing the dotted line, make sure you read your contract in full. Pay particular attention to money due upfront, including closing costs as well as . Many of these fees are negotiated or waived from the dealership. The bottom line Buying an automobile will affect your budget for yearsto come, therefore, be prepared before you start the process. Find out about the cars you like before heading to the dealership, calculate the numbers, and determine the amount you’re willing to pay. Once you get to the dealer, you should leave your feelings at home and stay firm on your budget. Learn more

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The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the details of borrowing money to buy a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping readers gain the confidence to manage their finances by providing clear, well-researched information that breaks down otherwise complicated topics into digestible pieces.

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