Ready to buy a car?

Questions to ask yourself:

1. How Much Car Can You Afford?
This should be where you start. Decide how much you have to spend on your vehicle by determining how much you want to borrow to purchase the car and how much you can afford to pay every month. In addition to the monthly loan payment, you should also estimate other costs of the car, such as insurance, tax, operating expenses, etc. Once you have an idea of how much you want to borrow, you can apply for a loan.

2. How Are You Going To Pay?
Now is the time to decide. Should you pay cash, finance or lease your vehicle? There is no right or wrong answer, because each method offers different advantages for different budgets and lifestyles. Most agree that securing the financing before entering the dealership will get you the best possible deal on the loan and on the vehicle. Apply Now for an auto loan and negotiate like a cash buyer.

3. What Vehicle Should You Buy?
Based on your budget and your approved financing, research vehicles that meet your needs and fit your budget. Check out industry magazines and car publications to see what the experts think. Talk to friends, to see if they like their cars or trucks. Use the Internet for your research. Many Web sites offer great tools available at no cost. Check out the latest car reviews. Find out the history of the vehicle you are looking to buy at www.carfax.com Know the value of your trade vehicle.

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