Finance A Car
( Buying a Car )

 Buying a Car

 Finance a Car

 Car Buyers Guide

 Car Warranties

 Service Contracts

 Pre-Purchase Insp.

 Private Car Sales

 Used Car Buying Tips

 Warranty Disputes

 Finance-A-Car.com

Buying a Car

Think about your driving habits, needs, and your budget!

You can learn about car models, options, and prices by reading newspaper ads, both display and classified. There is a wealth of information about used cars on the internet: enter "used car" as the key words and you'll find additional information on how to buy a used car, detailed instructions for conducting a pre-purchase inspection, and ads for cars available for sale amongst other information. Libraries and book stores also have publications that compare car models, options, and costs, and offer information about frequency-of-repair records, safety tests, and mileage. Many of these publications have details on the do's and don'ts of buying a used car.

Research the frequency of repair and maintenance costs in auto-related consumer magazines.

U.S. Department of Transportation's Auto Safety Hotline 1-800-424-9393 gives information on recalls.

Purchase options, pay in full or finance overtime.

If you finance, the total cost of the car increases. That's because you're also paying for the cost of credit, which includes interest and other loan costs. You'll also have to consider how much you can put down, your monthly payment, the length of the loan, and the annual percentage rate (APR). Keep in mind that annual percentage rates usually are higher and loan period generally are shorter on used cars than on new ones.

Dealers and lenders offer a variety of loan terms and payment schedules. Shop around, compare offers, and negotiate the best deal you can. Be cautious about advertisements offering financing to first-time buyers or people with bad credit. These offers often require a big down payment and a high APR. If you agree to financing that carries a high APR, you may be taking a big risk. If you decide to sell the car before the loan expires, the amount you receive from the sale may be far less than the amount you need to pay off the loan. If the car is repossessed or declared a total loss because of an accident, you my be obligated to pay a considerable amount to repay the loan even after the proceeds from the sale of the car of insurance payment have been deducted. If your budget is tight, you may want to consider paying cash for a less expensive car than you first had in mind.

We have additional information throughout this site on buying a car, financing a car, car warranties, tips on what to look for to be sure you get the best car you can for the money you are spending, and much more!

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