![]() Once you've decided on which car to buy, call all the dealerships that are within driving distance that sell the brand for their best price.įor example, if you want to buy a 2021 Toyota Camry, call all the Toyota dealerships and ask them for their best price. Test drive the cars so that you know which brand and model you like. If you are on a tight budget, consider buying an older model, you could save thousands of dollars. You will be amazed how much you can save just by comparing. When the newest model of a car comes out, there will be a big discount for the older models. Check them and compare them with your bank to see which one gives you a lower rate and lower overall costs.Īfter you learn how much loan you can get, you can begin shopping for cars that are within your budget.Ĭompare pricing from different dealerships. Credit unions - They usually offer low fees and competitive interest rates for car loans.Many dealerships add markup costs and point to their package so that they make more money from the car buyer. However, they may not offer the best interest rate. Dealership - While dealership financing is convenient, you buy a car from the dealer and they do all the paperwork for you.You can get pre-approved from the bank so that you know how much you can finance and what kind of car you can afford. ![]() Sometimes, you may even get a reduced rate if you set up auto payment.
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