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Contributed by mm | September 20, 2006 7:38 PM PST
Yes, you research will be paid off handsomely when it comes to car loans.
From Automotive:
1. Determine your financial situation
This is the first and most important step in the car buying process. You must know how much you can spend before you can determine what you can afford. You don't want to get stuck making a bloated car payment that will leave you eating bologna sandwiches for three years.
2. Decide which car you want
Now that you have settled on a monthly allotment, now you can look at which vehicles fit into your price range.
3. Do your homework
There are plenty of places for you to do your car research. Check out the Internet and newspapers, contact car dealerships, credit unions and local banks to see what kind of deal you can get. Knowing what a car dealer's competition is offering can only help you out in the negotiating process.
4. Go to the car dealerships
Now that you have an understanding of what kind of rate you will be offered, you now want to go out to the car dealerships. You already have an idea of what kind of car you want, how much you can spend and what kind of perks you can get.
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How Much Car Loan Can You Afford? (September 20, 2006)
Good advice that you should only spend no more than 10 percent of your income on car expenses. I bought three cars in the past, and every single time I paid by cash.
Avoid (or Correct) Upside-Down Bad Car Loans (September 11, 2006)
Don't get upside-down in your auto loan in the first place. But if you are already in such a situation, you can still do a few things to pull yourself out. Read Bankrate's 9-tips on avoiding and fixing such bad car loans.
8-Year Car Loan? (September 11, 2006)
7-year or 84-month auto loan is already a rarity, but smart people in car dealerships and banks are now inventing 8-year or 96-month auto loans. Surely, it is not a good idea to commit your payment for the next 8 years while your new set ...
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