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4 min read Published October 21, 2022

Writer: Rebecca Betterton 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 purchase cars. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain confidence to take control of their finances through providing clear, well-researched information that breaks down complex issues into digestible chunks. The Bankrate promise

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You have money questions. Bankrate has answers. Our experts have helped you understand your money for over four decades. We strive to continuously give consumers the professional advice and tools needed to be successful throughout their financial journey. Bankrate follows a strict , so you can trust that our content is honest and reliable. Our award-winning editors and reporters provide honest and trustworthy information to assist you in making the right financial decisions. The content we create by our editorial team is factual, objective and is not influenced from our advertising. We’re open about how we are capable of bringing high-quality content, competitive rates and useful tools to our customers by describing how we make money. is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and, services, or when you click on specific links on our site. Therefore, this compensation may affect the way, location and when products appear within listing categories in the event that they are not permitted by law. We also offer mortgage home equity, mortgage and other products for home loans. Other factors, such as our own rules for our website and whether or not a product is offered in your region or within your personal credit score can also impact how and where products appear on this site. While we strive to provide an array of offers, Bankrate does not include details about every credit or financial product or service. Buying a new car can be intimidating among the toughest elements to complete is knowing which direction to take. From choosing the best car to fit your lifestyle and budget to negotiating a deal, there are a lot of steps to take. The cost of new cars is high due to inflation and limited stock . That means it’s especially important to be well-prepared to make the purchase. If a purchase of a vehicle is planned for the future, follow these steps to ensure that you get the best deal and vehicle for your requirements. Before you go to the dealership: Researching Much of the research involved in purchasing a new car happens before you step the foot on the lot. Here’s where to start. Set your sights. This may seem obvious but your first task is determine what vehicle you want and what features are important versus desirable to be able to. Check pricing. Before you negotiate, know market pricing and set expectations for how much you’re willing to pay. It is a fantastic source for researching current car pricing before arriving at the lot. Investigate the financing options. There are two choices for financing your car that you can choose from: and . Pros and Cons to each of these options. Independent lenders might offer you an interest rate that is lower and dealerships might offer incentives, such as- if you take out an loan from them. Do the calculation. The cost of owning a car is much more than the initial price. Be prepared to cover extra costs, such as gas as well as insurance, registration taxes and fees. Check your credit. Like most major purchases, your credit score is a vital element in the rate of interest. Before you go to the dealership. Make sure you have your paperwork organized prior to going to the dealership. Make sure you arrive at the dealership with your driver’s license, payment method, and the proof of insurance. If you are financing through an auto dealer, then you’ll need proof of employment, income and your residence. You can get preapproved for the car loan by at least three lenders. It will only take just a few minutes of your time. A loan preapproval provides you with the same negotiation capability as cash buyers and shows the dealership you mean business. Preapproval letters typically last for up to 30 – or 60-days. While on the lot: Researching the car A test drive is among the most important elements of your purchase. Investigate all aspects of your car with your life in your head. Examine the specifics. The car you choose to drive for a long time So be prepared to research the insides and outs to ensure that you’re getting the best size. Can the seat be comfortable? Do you have easy access to the spare tire? Does the trunk have enough space? Map out a test course. Check the car out in the same conditions in the same conditions you’ll drive it in — in the highway, in stop-and-go congestion, parking areas and on hills. If you don’t know the area well, tell the salesperson the type of driving you’d like perform and ask where to go. Get behind the wheel. Enjoy to your own time while driving as you test the brakes, park in tight spaces and check the visibility. It is also important to check the road noise and smoothness of the ride. Compare the car on the market to your checklist. Do you remember the list of desirable items and necessities you created? Now that you’re in the market make sure the car is in line with your priorities to ensure you get the and lifestyle you desire. Don’t let your emotions take over. While you’re driving around in that new car on the road, enjoying its advanced features and new car smell It’s effortless to lose track of your financial plan and must-haves and let your emotions run the show. If you see a car you like but doesn’t fit your initial requirements, drive to your home and consider the purchase before making a final decision. While on the lot: Deal-making Once you’ve chosen the car you want to drive home You’ll need to be ready to ask questions and negotiate to get a good deal. Check for deals. Dealerships may have special prices dependent on the day during the week. Look for special prices or rebates before meeting with a salesperson. Avoid discussing trade-ins. Salespeople will probably offer a deal , but it’s best to bargain on the price of your purchase prior to talking about your old vehicle. So, the dealership will not have a figure to consider based on the value of your previous vehicle. Make a counteroffer. Utilize the number you gathered in your research of market value as a guideline. The key to a counteroffer is to not be so outrageous that the dealer won’t take you seriously while pushing back enough to secure the best price. Make sure you negotiate with confidence. Negotiation is one of the most dreaded aspects of buying a car. But if you come with the best price on the price of the car and financing from the dealer and, if it’s applicable it could mean you save money. Remember, don’t rush your negotiation. Always be ready to walk away when you’re not satisfied with an offer. Take the time to read the fine text. Before signing the line of dotted paper, make sure you read your contract thoroughly. Be sure to pay attention to the money due upfront, including closing costs as well as . Some of these charges are negotiated or waived through the seller. The bottom line Buying a new car will impact your budget for yearsto come, so be sure you’re prepared before you start the process. Find out about the cars you like before heading to the dealer, then crunch the numbers, and determine the exact amount you can afford to spend. And, once you head to the dealer, you should leave your emotions at home and remain focused about your budget. Find out more


This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ins and outs of securely borrowing money to buy an automobile. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain confidence to take control of their finances through providing clear, well-researched facts that break down otherwise complicated topics into digestible pieces.

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