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Finding Your 汽车贷款 Fit: 实用性 & 可购性

It's critical to underst和 what's important to you!

Buying a car can be complicated, exhausting, but also exciting. A car is likely the second largest purchase you’ll make aside from a home, so it’s important that you know your options going into the process.  Here are a few things we recommend that you consider:

实用性

It’s reported that six years is the average time that people keep a car. So the car you choose should be practical for daily use in most cases.

How do you typically use your vehicles & what are you planning on using this one for? If you’re someone who hauls building materials, then maybe a truck is right for you. If you’re someone who hauls all the kiddos to practice, maybe something with a third row makes sense.

How much do you drive 和 in what climates? If you’re in the car a lot either daily or for road trips, a comfortable car is a good choice. Test driving or even getting the car you’re interested in as a rental is a great way to determine whether the car is right for you!

可购性

$35,000 is the average cost of a new car 和 the most common loan term is 60 months (or five years.)

Can I afford this now 和 later? When we’re talking about such a large purchase it’s helpful to consider it’s 可购性 not only now, but also over time.  支付 are an obvious factor when thinking about 可购性. Your insurance can also go up or down depending on the age or trim level of the car. You can call before the purchase to get quotes on how much this might change.

How much will maintenance cost? If the car isn’t covered under the manufacturer’s or an extended warranty, you’ll likely need to pay for repairs 和 maintenance out of pocket. The cost of service, parts & labor, can fluctuate depending on the make, model, 和 age of the car. A good gauge is looking at routine costs like an oil change to determine how costly other maintenance will be.

 

A great way to determine 实用性可购性 are by researching on the manufacturer’s or dealer’s website. This will help you get an idea of what features will best suit your every day needs 和 the cost of the cars you’re interested in. Next steps will be determining your budget 和 getting pre-approved.

 

Explore our 汽车 贷款利率

 

上路!

Purchasing a new car? Save time at the dealership by getting preapproved for an auto loan.

Already have a loan? Check out our rates to see if refinancing can help your budget.

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