Apply for auto loans at banks or credit unions before visiting a dealership.

Include insurance, maintenance, fuel, and registration.

Choose between new (warranty, modern tech) or used (cheaper, slower depreciation).

Search online via sites like Autotrader, CarGurus, or local dealer websites.

Aim for 20% down for new cars, 10% for used. 🔍 2. Research and Choose the Right Car

Do not negotiate based on the monthly payment alone.

Always review the CARFAX or AutoCheck report and get a pre-purchase inspection (PPI). 🤝 5. Negotiate and Close the Deal

Test the car on both local streets and highways.