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4 minutes read. Published 21st October 2022

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers to navigate the ways and pitfalls of borrowing money to buy an automobile. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to control their finances through providing clear, well-researched information that breaks down complicated subjects into bite-sized pieces. The Bankrate guarantee

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who ensure everything we publish is objective, accurate and reliable. The loans journalists and editors focus on the points consumers care about the most — the different types of lending options as well as the best rates, the best lenders, the best ways to pay off debt and many more — so you’re able to be confident about investing your money. Editorial integrity

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There are money-related questions. Bankrate can help. Our experts have helped you understand your money for more than four years. We continually strive to give our customers the right advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , which means you can trust that our information is trustworthy and reliable. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial decisions. Our content produced by our editorial staff is factual, objective and is not influenced through our sponsors. We’re open about the ways we’re capable of bringing high-quality content, competitive rates, and practical tools for 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 when you click on certain hyperlinks on our site. This compensation could affect the way, location and in what order items appear within listing categories in the event that they are not permitted by law for our mortgage home equity, mortgage and other home lending products. Other elements, such as our own rules for our website and whether the product is offered in your area or at your personal credit score can also impact how and when products appear on this website. While we strive to provide the most diverse selection of products, Bankrate does not include information about each financial or credit item or service. A new car purchase isn’t easy, and one of the hardest parts to complete is knowing which direction to take. From identifying the right car to fit your needs and budget, to negotiating a deal there are many steps involved. Prices for new cars are rising because of inflation and a an extremely limited inventory . This means it’s crucial to be well-prepared to make the purchase. If a car purchase is planned for the future, follow these steps to make sure you find the most affordable the right vehicle for your requirements. Before you go to the dealership research. A lot of the work involved in buying a new car takes place before you even set the foot on the lot. Here’s where you can begin. Make a list of goals. This may seem obvious, but your first task is determine what vehicle you want and what features are essential versus simply being desirable to be able to. Check pricing. Before you negotiate, know the current market prices and establish expectations regarding the amount you’re willing to invest. is a great resource for researching current vehicle prices prior to arriving on the dealer. Research financing options. There are two main choices for car financing: and . There are pros and cons for both of them. Independent lenders may offer you an interest rate that is lower and dealerships might offer incentives — like — if you take out the loan from them. Take a look at the math. The cost of owning a car is much more than the sticker price. Be prepared to cover extra costs, such as gas, insurance, registration, taxes and other fees. Check your credit. Like most major purchases, your credit score is an essential factor in your rate of interest. And before you visit the dealer. Prepare your paperwork. Be at the dealership with your driver’s license, payment method, and proof of insurance. If you are financing through the dealership, you’ll need documents proving your income, employment and residence. Get preapproved for the car loan by at least three lenders. It takes only just a few minutes for your precious time. A loan preapproval grants you the same negotiation ability as a cash buyer and shows the dealership you’re serious. Preapproval letters typically last for up to 30 – or 60-days. On the lot: Investigating the car A test drive is among the most important aspects of your purchase. Investigate all aspects of your car with your life in your head. Take a look at the particulars. This will be your vehicle for a while Be prepared to research the insides and outs to make sure that it’s the perfect model for you. Do the seating positions feel comfortable? Can you easily access an extra tire? Does the trunk have enough space? Create a test track. Test the car in the same environments in the same conditions you’ll drive it such as on the freeway, in stop-and go congestion, parking areas or on hills. If you’re not familiar with the region well, explain to the salesperson what kind of driving you want to do and ask them which direction to take. Get behind the wheel. Take to your own time while driving as you test the brakes as well as park in tight spaces and verify the visibility. You’ll also want to monitor the noise of the road and the smoothness of the ride. Check the car that you are considering to your checklist. Do you remember the list of desirable items and essentials you made? Now that you’ve found a car make sure the car is in line with your priorities to ensure you have the ideal lifestyle. Let your emotions go. If you’re in the new car you saw on the road, enjoying its high-tech features and the fresh smell of the car it’s simple to overlook your spending plan or the things you must have and let your emotions rule the day. If you find a car you like, but it doesn’t match your initial requirements, drive home and contemplate the purchase before making a final decision. While on the lot: Deal-making Once you’ve chosen your ideal car You’ll have to be prepared to ask questions and negotiate for the best price. Check for deals. Dealerships can offer special pricing depending on the or even the day during the week. Look for special prices or rebates prior to meeting a salesperson. Do not discuss trade-ins. Salespeople will probably insist on a trade-in , but it’s best to bargain on the price of your purchase prior to talking about your old car. This way, the dealer won’t have a number in mind that is based on the worth of your previous vehicle. Offer a counteroffer. Use the number you found while researching market value as a guideline. The trick to counteroffer is to not be so exaggerated that the seller will consider you a serious buyer and yet push back enough to get the most favorable price. Make sure you negotiate with confidence. Negotiation is one of the most stressful aspects of buying a car. But if you come with the best price on the car price and dealer financing and, if it’s applicable it could mean you save money. Remember, don’t rush your negotiations; be ready to leave if you’re unsatisfied with the offer. Be sure to read the small text. Before you sign on the line of dotted paper, read your contract in full. Be sure to pay attention to the amount due in advance, which includes closing costs as well as . A lot of these costs can be negotiated or waived by the dealer. The final decision of buying a new car will impact your budget for years, therefore, be prepared as you enter the process. Do your research before heading to the dealership, calculate the numbers, and work out the amount you can afford to spend. And, once you head to the dealer, you should leave your emotions at home and focus in 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 ways and pitfalls of taking out loans to purchase an automobile. 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 manage their finances through providing clear, well-researched facts that break down complex topics into manageable bites.

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