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Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive financial calculators and tools, publishing original and objective content. This allows you to conduct your own research and compare information for free — so that you can 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 Earn Money The deals that are advertised on this website come from companies who pay us. This compensation may impact how and where products appear on the site, such as for instance, the sequence in which they appear within the listing categories in the event that they are not permitted by law. This applies to our mortgage, home equity and other home lending products. However, this compensation will affect the information we provide, or the reviews that you read on this site. We do not cover the vast array of companies or financial deals that might be available to you. AleksandarNakic/Getty Images

4 minutes read. Published 20th April, 2022

Written by Kellye Guinan. Written by personal and Business Finance writer Kellye Guinan is a freelance editor and journalist with over five years of experience in personal financial planning. She is also a full-time worker at her local library, where she assists her community access information about financial literacy, among other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping their readers gain the confidence to control their finances by providing concise, well-researched and precise information that breaks down otherwise complex subjects into digestible pieces. The Bankrate promise

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If you have questions about money. Bankrate has answers. Our experts have been helping you manage your money for over four decades. We are constantly striving to provide our readers with the professional guidance and the tools necessary to make it through life’s financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our information is trustworthy and precise. Our award-winning editors and journalists provide honest and trustworthy information to assist you in making the right financial decisions. The content we create by our editorial team 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 describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services or through you clicking certain links posted on our website. So, this compensation can affect the way, location and when products appear within listing categories, with the exception of those the law prohibits it for our mortgage home equity, mortgage and other products for home loans. Other factors, such as our own rules for our website and whether a product is available in your region or within your self-selected credit score range could also affect how and where products appear on this website. Although we try to provide an array of offers, Bankrate does not include specific information on each credit or financial product or service. Trucks are a complex thing. There are many different configurations, and the size and strength you need depends on how you’ll use it. Familiarize yourself with common features like powertrain, axles, cab size and towing capacity before . Choosing a pickup truck will require a lot of research however, preparation can make it easier to make an informed choice that is compatible with your lifestyle and financial needs. How much power do you need? A truck with more horsepower, towing capacity , and torque will cost more. It’s not all about price obviously, but you must think about whether you really require the power of a large amount before spending thousands of dollars on it. A diesel engine — which offers even greater power could also be costly. The V6 and V8 engines are more common and offer more power, however, there are also four-cylinder engines to accommodate smaller loads. If your biggest haul is to buy groceries, think about smaller models that comes with an automated gas engine with good fuel efficiency. The less power you use will be more beneficial for you and your budget. What is the amount you’re hauling? A mid-sized truck is the best bet if you don’t have plans to haul trailers or big boats. They’re less expensive and boast better driving quality over their larger counterparts. Midsize trucks are best suited to lighter loads rather than towing. Due to their lighter weight you’ll pay lesser for gas. If you’ve got something to pull, opt for a large-sized truck. There are heavy-duty and light-duty options for almost every model that is full-size. Naturally, trucks meant for light duty can haul less — but again, they offer more fuel efficiency because of their lighter weights. Keep in mind that towing capacities and the payload capability are different. Towing is the amount your truck is able to carry behind it. Payload is how much it can handle in the bed. Even if you aren’t planning to attach a high-quality horse trailer onto the back of your truck, be sure the payload of the trailer meets your needs. Do you need four or two-wheel drive? A truck that has two-wheel drive is less costly and provide . You’ll have the option of choosing either rear or front-wheel drive. Whichever one you pick is best for staying on the road. A vehicle with four-wheel drive is better suited to going off road and icy or slippery conditions like on a boat launch. You’ll have better traction, but your truck won’t be as fuel efficient. How much space in the cab do you require? Cab space is probably to be one of the most important aspects for truck drivers who are not experienced. For the majority of drivers, a crew cab will make the most sense even if it does require more expense. Single-cabs single cabs are the classic two-door look. They usually only accommodate three persons, but they can often accommodate more beds. Extended cab: Extended cabs are essentially an cab and a half. They have two doors and limited leg room in the back seat however, it’s a great alternative to two cab choices. Crew The crew cab is the four-door version that looks like an SUV or sedan. The capacity of a Cab is different depending on the model and trim and are the best option if you have passengers in the back seat frequently. There are a variety of fuel options available. You’re not restricted to only gasoline or diesel. Companies such as Ford are committing to providing more in the coming years. However, they are new choices and may limit your payload or towing 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. However, they’re also more expensive to buy and to fuel. For those who aren’t experienced drivers the gas engine might be best. They are more versatile 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 the taxicab. If a crew cab is necessary and you need it, you’ll end up with a shorter bed. If you want that longer bed, you may need to opt for a single or extended taxicab. What you need to consider is the frequency at which you’ll put things into the bed. If the truck you have is mostly for show -it’s fine with that — a shorter bed will be easier to park and maneuver. It will likely also be plenty of space when you do need to carry something heavier. New or used? New trucks will give you the possibility of being certain about every aspect of your vehicle, both interior and exterior. This is certainly an investment- new trucks are expensive however, when you’ve got a particular design, technology or other features in mind then a new model is the best way to go. A used car is a cheaper option. You might not be able to find the exact model of your dreams however, you’ll get rid of the cost of depreciation. If you’re looking for something functional you can find older models on the market that are affordable and solid. It depends entirely on your priorities and finances. A new truck will be expensive but could be more efficient on fuel or have more technology. A used vehicle may be less efficient on fuel however the lower cost can make it more affordable to drive. Manual or automatic? It’s more of an individual decision. There isn’t a huge cost difference between these two options, however certain vehicles may come with one or the other. For suburban or city drivers, automatic offers an easier to drive. If you want more control for off-roading, manual gear might work better. After you’ve thought about the major aspects of owning a truck begin looking at the actual models and models. These will help you get a clear idea of the price range you’ll be contemplating. If you are aware of this, you’ll be able take a taxi with a fair interest rate.

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Written by personal and business finance writer Kellye Guinan is a freelance editor and writer with over 5 years experience working in the field of personal financial planning. She’s also employed full-time at the local library, where she assists the community gain access to information on financial literacy, among other subjects. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances with precise, well-studied information that breaks down complicated topics into digestible pieces.

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