Visit your bank or a credit union first. A pre-approval gives you a baseline interest rate to compare against whatever the dealer offers.
Pick 2–3 models that fit your needs. Read independent reviews from sites like Consumer Reports or Autoblog . car buying 101
Dealers may lower your monthly payment by stretching the loan to 6 or 7 years, which actually costs you much more in interest over time. Always negotiate the total purchase price , not the monthly payment. 4. The Test Drive & Inspection Visit your bank or a credit union first
Here is a guide to help you navigate the process like a pro. 1. Set a Realistic Budget car buying 101