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Buying a new car is a big deal. You spend a lot of time behind the wheel and you have a ton of options to sort through. When I was a kid, I remember my parents driving from car dealership to car dealership to determine their options and what they were interested in. Today you can jump online 24/7 and find the right fit for you. Researching your options is the first step to making a wise purchase.

The first step in the process is determining your budget. Your budget is more then the price on the windshield. Look into the autos fuel economy and maintenance cost.

Getting pre approved gives you confidence and the ability to commit. Going through the pre approval process will trigger a credit check. It is always a good idea to periodically have a credit report run to ensure there are no errors that could prevent you from getting a loan. You can get a free credit report from each of the three credit agencies annually.

Once you have found the car that is right for you understand its value. Services like Kelly Blue Book and Edmunds offer estimation tools that show the value of both new and used cars, their retail and trade-in values. Take the car for a test drive and for used cars have a mechanic not affiliated with the seller review the car for potential current or past issues.

If you are buying a car from a private party pull a vehicle history report through CARFAX. This is your best protection from buying a car with a history that could cause costly maintenance in the future.

Consider additional or extended warranty protection to protect your self from major car repair cost. And with all vehicles it is a good idea to purchase roadside assistance.

Finally, there is Guaranteed Asset Protection or GAP insurance. Gap insurance closes the gap between what your insurance company thinks your car is worth and what you owe the lender. If you are buying a used car GAP insurance is likely not offered.

A car purchase can be fun, but keep in mind it is an investment. Invest wisely and make smart financial decisions in the process. We offer a variety of auto loan options. Let us help you through the process and into a new car.


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