Finance A Car
(Financing 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

Finance A Car

If you decide to finance a car, make sure you understand the following aspects of the loan agreement before you sign any documents:

• the exact price you're paying for the vehicle

• the amount you are financing

• the finance charge (the dollar amount the credit will cost you)

• the APR (a measure of the cost of credit, expressed as a yearly rate)

• the total sales price (the sum of the monthly payments plus the down payment). Used cars are sold through a variety of outlets: franchise and independent dealers, rental car and leasing companies, a used car superstores. You can even buy a used car on the Internet. Ask friends, relatives and co-workers for recommendations. You may want to call your local consumer protection agency, state Attorney General (AG), and the Better Business Bureau (BBB), to find out if any unresolved complaints are on file about a particular dealer.

Some dealers are attracting customers with "no-haggle prices, " "factory certified" used cars, and better warranties. Consider the dealer's reputation when you evaluate these ads.

Dealers are not required by law to give used car buyers a three-day right to cancel. The right to return the car in a few days for a refund exists only if the dealer grants this privilege to buyers. Dealers may describe the right to cancel as a "cooling-off" period, a money-back guarantee, or a "no questions asked" return policy. Before you purchase or finance a car from a dealer, ask about the dealer's return policy, get it in writing and read it carefully.

The Federal Trade Commission's Used Car Rule requires dealers to post a Buyers Guide in every used car they offer for sale. This includes light-duty vans, light-duty trucks, demonstrators, and program cars. Demonstrators are new cars that have not been owned, leased, or used as rentals, but have been driven by dealer staff. Program cars are low-mileage, current-model-year vehicles returned from short-term leases or rentals. Buyers Guides do not have to be posted on motorcycles and most recreational vehicles. Anyone who sells less than six cars a year doesn't have to post a Buyers Guide.

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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