You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
NerdWallet’s Guide to Buying a Car
Lead Writer | Auto loans, Credit cards
Assistant Assigning Editor | Auto loans, consumer credit
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Visit your My NerdWallet Settings page to see all the writers you're following.
10 steps to buy a car the NerdWallet way
- Nerdy takeaways about where to exchange currency
- What is a charitable donation?
- 6 steps to opening a Roth IRA
- Definitions: Money Transfer Rates
- Our Take
- 4.0
- What's the difference between stocks and options?
- Table of contents
- What is a cashier's check?
- What is a W-4?
- What are the Roth IRA rules?
- What is the gig economy?
- What is a W-2?
- What is mortgage pre-qualification?
- What is the qualified business income deduction?
- Bluevine Business Checking
- What is an index?
- Still deciding on the right carrier? Compare Medigap plans
- How do we review brokers?
- Fidelity is best for:
- Charles Schwab is best for:
- 4.3
- About Wellpoint (Amerigroup)
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- Robinhood is best for:
- What is an FHA loan?
- Medicare Advantage companies
- The parts of Medicare
- What is a home equity line of credit?
- Ready to get started? Here's what to do next
- What is a budget?
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 5 Best Ways to Send Money Internationally
- Some startups view new-to-credit consumers differently
- Competition is increasing
- Even traditional issuers offer paths to rewards
- Rewards can help incentivize credit-building actions
- How to maximize your rewards
- What is a 1099?
- About Auto-Owners home insurance
- Inheritance tax definition
- How to find an old 401(k)
- Quick summary of traditional IRA rules
- How to file taxes for free
- 1. Determine if you need to file taxes
- What is a 401(k) rollover?
- ETFs for beginners
- How do capital gains taxes on real estate work?
- What is inflation?
- Real estate vs. stocks
- Best-performing real estate ETFs
- What are dividend stocks?
- Good credit utilization follows the 30% rule
- (Nearly) free flights
- Travel ‘insurance’ and flexibility
- Perks that make it easier
- ‘Free money’ helps budgets stretch further
- How to get paid on YouTube
- 7 of the best apps to make money
- What is private mortgage insurance?
- How much does a wire transfer cost?
- What is the average cost of groceries per month?
- 1. Compare sites and deals
- S&P 500 index (SPX) today
- Lufthansa economy fares
- Pros & Cons
- What is a Roth IRA account?
- When do I need a cashier's check?
- Institutions with low or no overdraft fees
- Who is eligible to contribute to a Roth IRA?
- About the Chase Freedom Flex℠
- What is a 1099-INT tax form?
- What is identity theft insurance?
- What to know about American Airlines delayed flight compensation
- Pros & Cons
- No credit vs. bad credit: What’s the difference?
- Solar loan calculator
- What a mortgage servicer does
- What is Global Rescue?
- What does APY mean?
- Citibank rates and fees
- What are HSAs and FSAs?
- Does Singapore Airlines have Wi-Fi?
- How does mortgage protection insurance work?
- Do I need credit insurance?
- Best for:
- Simplifying tax time with accounting software
- What's the best way to invest $5,000?
- 7 best-performing AI stocks
- Credit card basics
- How to find a passport number on your passport
- 1. Certificates of deposit (CDs)
- Why is blind-spot monitoring important?
- What's the best S&P 500 ETF?
- How to write a two weeks’ notice letter
- How to calculate interest in a savings account
- How to maximize your Marriott Bonvoy Brilliant® American Express® Card
- What are negative interest rates?
- 4 no-credit-check loan options
- Mortgage options
- How voluntary repossession works
- What is a savings account?
- Nerdy takeaways:
- The definition of a recession
- 1. When your Bitcoin is taxed depends on how you got it
- Make sure you get the bonus
- Preparing to buy tips
- The NerdWallet Down Payment Calculator
- Stock market correction definition
- Tax credit vs. tax deduction example
- Will you actually spend more?
- 'Buy the dip' meaning
- Average car loan interest rates by credit score
- How the Hilton Honors daily food and beverage credit works
- The best budget apps
- January
- Newark AmEx Centurion Lounge amenities
- General advice for international money transfers
- How early direct deposit works
- Marketing statistics for small business
- How we found the best travel insurance
- How a cash advance works
- What is a personal loan?
- 1. American Airlines may not owe you anything
- Calculate your wedding budget
- Reasons to get life insurance in your 40s and 50s
- Fidelity at a glance
- Do rent payments affect credit?
- How do LLC taxes work?
- What is Instacart?
- Frugal food tips
- 1. Define your line
- Best day to book a flight
- Step 1: Check your credit
- California state income tax brackets and rates
- Pursue student loan forgiveness
- Minimum wage over time
- ICR at a glance
- Robinhood at a glance
- Cheap one-day tickets for Universal Studios
- 14 food franchise opportunities
- Rules for contributing to a 401(k) plan and a traditional IRA
- 1. Earn the welcome bonus
- What is the child and dependent care tax credit?
- 1. Double-check your work
- Is the stock market crashing?
- Financing options for people convicted of felonies
- Summary of no-credit-check lenders
- How to manage your money
- Spending rewards
- Fixed or adjustable rate?
- 1. Sell spare electronics
- What is 100% credit utilization?
- What determines your monthly car payment?
- What is Mint?
- What is options trading?
- 1. Set your budget
- How much will refinancing save?
- Better credit = better 0% APR cards
- Services available at credit counseling agencies
- The pros
- The challenge: Stubbornly high mortgage rates squeeze shoppers’ buying power
- 1. Start saving early
- What are AI ETFs?
- What does this value mean?
- Options contract definitions
- 1. Earn with ads as a YouTube Partner Program member
- Late winter and early spring
- 6 ways to buy Bitcoin
- How to cancel a Southwest flight
- Is charitable giving tax-deductible?
- What to do when your home insurance claim is denied
- 1. There are two versions of the CheapOair card
- 41% of local businesses depend on social media to drive revenue
- What is the gift tax?
- What to do if you overcontributed to your 401(k)
- Best ways to consolidate credit card debt
- What is a Loan Estimate?
- The best investments for beginners
- Understanding your solar loan calculator results
- An industry is born
- How does mortgage insurance work?
- Capital One vs. Discover’s student cards: What’s the same
- Examine your spending
- What is a state income tax?
- Set your car payment budget
- 1. Delay your application
- Charles Schwab at a glance
- Key context
- How does the lottery work?
- Types of depreciation
- 1. Invest in your 401(k) and get the matching dollars
- How many personal loans can I have?
- What is the Northeast Alliance?
- The bull call spread
- 4 common check fraud scams
- Your combined spending eats up your credit limit
- Why invest in a real estate ETF?
- Flight options
- Shopify vs. Squarespace: Deciding factors
- What dual agency is — and isn't
- When can you withdraw from a Roth IRA?
- 1. Balance alerts can help keep spending in check
- 1. You can use it only on certain health care purchases
- What does this value mean?
- Where should you start?
- What is a home equity loan?
- 1. High ongoing rates
- 5 Ways to get started in real estate investing
- How to budget money
- What can cause a crypto crash?
- Establezca prioridades para evitar gastos excesivos
- How to improve your financial health
- Pros and cons of hardsided luggage
- How does an FHA 203(k) loan work?
- State availability
- Average savings account rate: 0.47%
- Earn miles on every flight
- How to get a loan with bad credit
- 1. Create a business plan
- Pre-delivery planning
- How to start day trading
- 6 best semiconductor ETFs by one-year performance
- Investing through an HSA
- The best money-making apps
- Best place to exchange currency: Your bank or credit union
- What should I look for in my TransUnion credit report?
- How to make money online
- What is a business credit score?
- What is a 1099 form used for?
- Wise
- Medicare’s alphabet soup
- What does it mean to invest in the S&P 500?
- Is inheritance taxable?
- 1. Contact your old employer about your old 401(k)
- 1. The card’s promotional financing offers can be risky
- Find out how much your car is worth
- What minimum credit score is needed to buy a car?
- Roth IRA vs. traditional IRA: What's the difference?
- Itemized deductions, definition
- What is the American Opportunity Tax Credit?
- What is an overdraft fee?
- IRA contribution rules
- 1. A 401(k) or other employer retirement plan
- Netflix subscription cost
- What is gig work?
- What is the standard deduction?
- Rolling over your 401(k): The options
- How your servicer can help if you’re behind on payments
- Pros
- How Citibank compares to online banks
- 7 best investments right now
- What to know about HSAs
- The best homeowners insurance in Texas
- 1. Do your research
- Overview of Disney’s Genie+
- Green Dot Card Pros:
- What is the child tax credit?
- Spirit Airlines bag fees
- Average inflation rate
- How to invest in stocks in 6 steps
- What are estimated tax payments?
- Can you pay student loans with a personal loan?
- Steps to getting an auto loan with bad credit
- How does my credit score impact personal loan offers?
- Una dieta económica
- Wellpoint (Amerigroup) Medicare Advantage pros and cons
- An alternative to traditional real estate: REITs
- Mint vs. NerdWallet at a glance
- Winner for route availability: Spirit
- Key takeaways
- SBA loans
- How to find your EIN
- 50/30/20 budget calculator
- How do expense trackers work?
- 1. Buy REITs (real estate investment trusts)
- 2. Sell your gift cards
- 50 best small businesses to start
- 1. Kuala Lumpur, Malaysia
- 1. Participate in paid market research
- What is PIP insurance in Florida?
- Use it for everything ...
- 1. It earns up to 1.75% cash back
- Is a joint bank account a good idea?
- 1. Pull your credit
- What does your travel insurance cover?
- Stock market corrections vs. crashes, dips and bear markets
- Breakdown of central air costs
- The market outlook for home buyers
- 1. Ibotta
- How to buy the dip
- Wire transfer fees by financial institution
- 2. Negotiate your rate
- 1. Pick up freelance work online
- 1. Figure out if you are eligible
- Read your policy and denial letter carefully
- Lufthansa economy vs. Economy Light fares
- New York state income tax rates
- Where can I get a cashier’s check?
- How to fill out a W-4
- 7 free tax filing options in 2024
- How is PMI calculated?
- When can you no longer contribute to a Roth IRA?
- What to do with a 1099-INT tax form
- What does identity theft insurance cover?
- How to claim life insurance money
- How to use the pre-qualification calculator
- Why buy dividend stocks?
- Best crypto credit cards
- Who qualifies for the qualified business income deduction?
- Index investing: Index funds and ETFs
- The best whole life insurance companies of March 2024
- How to consolidate your debt
- Types of ETFs
- Compare car insurance rates by age
- Is MPI required?
- 1. Straight-line depreciation
- What does the value of Hilton points mean?
- Full-service shoppers: Shop (or pick up) and deliver when you want
- How does blind-spot monitoring work?
- Our take
- 1. T.J. Maxx loyalists can rake in rewards ...
- Federal tax brackets and tax rates
- Universal Studios Orlando
- 1. Baskin-Robbins
- 20 high-dividend stocks
- What is a stock market crash?
- OppLoans: No-credit-check, high-interest installment loans
- 1. Take inventory of your finances
- 1. Accounting and bookkeeping
- What’s the purpose of a budget?
- Wells Fargo Rewards: The basics
- Why you need a savings account
- The upshot
- Size
- What’s the difference between cash management accounts and high-yield savings accounts?
- Look at sectors hit hardest during the sell-off
- How does a home equity loan work?
- 1. Cryptocurrency exchanges
- What should my monthly grocery budget be?
- YNAB, for hands-on zero-based budgeting
- Where Auto-Owners stands out
- Table of Contents
- Stocks
- 74% of consumers rely on social media to guide purchasing decisions
- How the American Opportunity Tax Credit works
- Who pays the gift tax?
- Two important notes
- 1. Roll your debts onto a balance transfer credit card
- Standard with ads: $6.99 per month
- When should I receive my W-2 form?
- 1. 401(k) rollover to an IRA
- PMI vs. MIP
- Cons
- Look for savings
- Types of credit insurance
- Our pairing for: Cash back
- NVIDIA Corp (NVDA)
- Getting multiple loans from the same lender
- Conozca su objetivo a largo plazo
- Check your credit score and report
- Best day to fly
- How do I see my credit score for free?
- How to choose an S&P 500 ETF
- Pros
- Real estate ETFs vs. REITs
- Where Shopify wins
- ICR vs. other income-driven plans
- What LifeLock does and what it costs
- 2. Enroll for Priority Pass lounge access
- 2. Stay calm
- 1. Check your EIN confirmation notice
- 2. A sign-up bonus
- Public transportation
- 3. Pawn something
- Understand the budgeting process
- How to calculate your credit utilization ratio
- What’s happening to Mint?
- The Fed is pushing to slow the economy
- Buying Bitcoin with PayPal
- 2. Decide how much home you can afford
- Pre-installation evaluation: $250 for a 2,000 square foot home
- The catch to tax credits
- Mortgage rates continue an unsteady decline
- How tax-deductible donations work
- Who gets a 1099?
- How credit scores affect auto loans
- How can I get a cashier’s check?
- Step 1: Enter your personal information
- How much is PMI?
- Amount of Roth IRA contributions you can make
- 2. Take note of tax deadlines and dates
- How to apply for a solar loan
- How to apply for federal student loans
- How state income tax rates work
- How we ranked the top life insurers
- What’s the difference between MPI, PMI and MIP?
- Which services will report your rent payments?
- Discover it® Cash Back and Citi Double Cash® Card
- Green Dot Card Cons:
- How to calculate the inflation rate
- In-store shoppers: Shop on an assigned shift
- Biden's student loan forgiveness 'plan B' would be more targeted
- Check your number online
- Frugal shopping tips
- 2. Cash management accounts
- Two weeks’ notice templates
- State minimum wages in 2024
- Roth IRA withdrawal rules
- Universal Studios Hollywood
- How to convert American miles to dollars (calculator)
- How much is the child and dependent care credit worth?
- Today’s HELOC rates
- Why interest rates change
- What is the 50/30/20 rule?
- Recent averages for factors that affect a car payment
- How voluntary repossession affects your credit and finances
- What you need to know about savings accounts
- 2. Become a virtual assistant
- Consumer complaints
- Example savings APYs at select institutions
- Your strategy: Do your research to find the best deal
- Cash management account definition
- Types of semiconductor ETFs
- Best AI ETFs by one-year performance
- Why stock market corrections happen
- Take advantage of the triple tax benefit
- Paying credit card interest isn't a given
- Are auto loan interest rates rising?
- How much is PMI?
- Ally Bank Wire Transfer Fees
- Holiday weekends
- How to change or rebook your Southwest Airlines flight
- Follow USDA food plans
- 1. Donate to a qualifying organization
- 3. Look for last-minute deals
- February
- How to access AmEx Centurion Lounges
- Is there a federal inheritance tax?
- What types of institutions offer early direct deposit?
- NY state income tax: Single and married filing separately
- How does a Roth IRA work?
- 96% of small businesses use social media in their marketing strategy
- Do you pay taxes when you receive a gift?
- What to know before getting the Chase Freedom Flex℠
- Why cash advances are expensive
- When is a personal loan a good idea?
- 2. Your credit card can reimburse you
- What is a gig worker?
- Full Review
- When can I start filing my taxes?
- PMI for conventional mortgages
- Capital One vs. Discover’s student cards: What’s different
- Try to bring more money in
- 2. Work longer
- How to choose the best life insurance for people over 40 or 50
- More about the best home insurance companies in Texas
- 1. Your credit score
- When do you pay capital gains tax on a home sale?
- How LLCs pay income taxes
- How much is the 2023 child tax credit?
- How to play Powerball
- 2. Use a robo-advisor
- 1. Decide how you want to invest in the stock market
- Create a business budget
- Cons
- Real estate vs. stocks: Which makes more money?
- 4 steps to spot a fake check and avoid trouble
- Inventory and order management
- MOHELA administrative forbearance
- If you're younger than 59½ and the account is less than 5 years old
- Income limits for contributing to both a traditional IRA and a 401(k)
- 2. Spending analysis tools help you with your budget
- 3. Figure out who's going to fix the mistake
- What to do during a stock market crash
- How does a home equity loan work?
- 3. A variety of redemption options
- 1. Ask why your car was repossessed
- 2. Business consulting
- Defina su objetivo de anticipo
- 2. Hoi An, Vietnam
- 2. Shop for a loan
- Student loan refinancing calculator
- What does Florida PIP insurance pay for?
- What to look for in a credit counseling agency
- 2. You could get a lucrative sign-up bonus
- Pros of joint bank accounts
- Key findings
- Popular credit cards with travel insurance
- Marriott points calculator
- Another money-change option: Online currency converters
- 2. Traditional stockbrokers
- How are business credit scores calculated?
- Where Auto-Owners falls short
- What's included in economy
- 2. Rewards rates are high
- Trading in a car with positive equity
- What does my 1099-INT tax form mean?
- 2. A robo-advisor
- Ways to receive the money
- Standard: $15.49 per month
- 5 ways to turn no credit into good credit
- What is "qualified business income"?
- What does Global Rescue membership cover?
- Credit score requirement
- How to buy an ETF
- Singapore Airlines Wi-Fi cost
- 2. Find a location that is convenient and comfortable
- Positive Rent Payment pilot program
- Child tax credit 2023 (taxes filed in 2024)
- The value of Hilton points over time
- SoundHound AI Inc. (SOUN)
- What happens to the Northeast Alliance now?
- When are estimated taxes due?
- Tuesdays and Wednesdays are the cheapest days to fly domestically
- Step 2: Pre-qualify and compare offers
- Our tips
- You forget whose turn it was to pay the bill
- Investing for income: Dividend stocks vs. dividend funds
- 3. Use your $300 worth of annual statement credits on restaurant spending
- FHA vs. conventional loans
- 2. It’s a deferred interest card ...
- What Medicare Advantage plans are available?
- 2. Check other places your EIN could be recorded
- Monthly after-tax income
- The pros and cons of a life insurance trust
- 4. Work today for fast cash today
- Neobanks: Their role, disadvantages and benefits
- Durability and security
- How long do recessions last?
- How to lower your interest rate
- 2. Two factors determine your Bitcoin tax rate
- Consumer experience
- Score bonus miles for joining as a new member
- 2. Review your finances
- 3. Check and polish your credit
- Ductwork and design: $500 to $7,500
- Look at large companies with big drops
- Bank of America Wire Transfer Fees
- 2. Decide what type of investor you are
- Should I buy stocks when markets are at all-time highs?
- In-flight food
- 2. It doesn’t earn rewards
- NY state income tax: Married filing jointly or qualifying widow(er)
- Customers who engage with a business on social media spend up to 40% more with them in the long term
- Types of itemized deductions
- Step 2: Account for multiple jobs
- Who can claim the American Opportunity Tax Credit?
- Overdraft protection
- 1. IRS Free File
- Average annual PMI premium
- Dealing with excess 401(k) contributions after Tax Day
- Roth IRA rules for withdrawals
- 1. How to activate bonus categories every quarter
- How the standard deduction works
- Other solar panel financing options
- Dividend vs. growth stocks
- Brex Card
- Competition heats up
- How do lenders determine a car payment?
- 2. The annual fee
- 1. The home wasn’t your principal residence
- Pros and cons of mortgage protection insurance
- How much does credit insurance cost?
- Income taxes for single-member LLCs
- Where can you work for Instacart?
- Booking
- Ride out income-driven repayment
- 1. Inspect the check
- Other alternatives to Mint
- Does raising the minimum wage cause inflation?
- 2. Auntie Anne’s
- How do American miles compare to other airlines?
- 1. Know what you own — and why
- Best iOS personal expense tracker apps
- 2. Use an online real estate investing platform
- How you can prepare for the end of Mint
- Short resignation letter example
- Why is budgeting important?
- Building foundations
- 3. Transcribe audio and video
- Limited FHA 203(k) loans
- 2. Find the right location
- Day trading strategies
- How to buy semiconductor ETFs
- 1. Chase Sapphire Reserve®
- A big decision about tax deductions
- You won't get rich, but you can get more
- How to use average car interest rates
- Hotel breakfasts continue to evolve, and this iteration is solid
- Do I need a 1099 form to file my taxes?
- Build a case
- How Medicare Advantage is different
- Financial institutions with early direct deposit
- 2. Find your 401(k) with your Social Security number
- PMI calculator help
- Is the gift tax deductible?
- 1099-DIV
- What to know about working in the gig economy
- Do you file 2023 taxes in 2024?
- What’s behind the pre-qualification calculation?
- 2. Roll your old 401(k) over to a new employer
- How to know who your mortgage servicer is
- What type of federal student loans can I get?
- The inflation-matching savings account
- Stock index examples
- Debt consolidation calculator
- 1. Open a brokerage account
- Overview of prepaid debit cards
- What the Senate subcommittee is arguing
- Symbotic Inc. (SYM)
- Learn from your competitors
- Issuer pre-qualification pages
- Bad-credit auto lenders
- Pros and cons of investing in real estate
- Standard two weeks’ notice template
- Shipping
- If you're younger than 59½ and the account is at least 5 years old
- Multi-day park admission deals
- 3. Midcycle payments could boost your credit
- 4. Amend your tax return
- Why your rate is unlikely to go negative
- Online loans
- Travel benefits
- 50% of your income: needs
- EveryDollar
- Pros
- Use a credit utilization calculator
- 3. Marketing services
- Has crypto crashed before?
- How to trade options in four steps
- Savings accounts with strong APYs can help your money grow
- ... or at least use it for everything ELSE
- Historical national rates
- 3. You can choose between a Visa or Mastercard version
- Cost of living has grown faster than income in the past four years
- Types of AI ETFs
- Prepare for long-term care
- 2. Rakuten
- How to dispute your TransUnion report online
- Chase Wire Transfer Fees
- Should I choose a home equity loan or a HELOC?
- 3. Bitcoin ATMs
- 4. Explore alternative accommodations
- State availability
- Inheritance taxes vs. estate taxes
- Free checked bag
- The drawbacks of stocks
- NY state income tax: Head of household
- 81% of shoppers research online before purchasing
- 2. Apply for a credit card consolidation loan
- Consolidate high-interest debt
- Premium: $22.99 per month
- How to get your Form W-2
- Card details
- FHA mortgage insurance premium
- When are state income tax returns due?
- 3. Earn more
- How to calculate APY
- Savings calculator
- Costs of life insurance for those in middle age
- How investing pays off later
- What is a prepaid debit card?
- Child tax credit 2024
- How to play Mega Millions
- 2. Units of production depreciation
- 3. Open or contribute to an IRA
- Qualifying for another personal loan
- Busque una hipoteca
- Should you use a personal loan to pay off student loans or refinance?
- 3. High-yield money market accounts (MMAs)
- Will pre-qualifying affect my credit score?
- Pros and cons of real estate ETFs
- 2. ... But it's not ideal for everyday purchases
- How to choose between an IRA and a 401(k)
- 4. Use the $100 property credit at St. Regis or Ritz-Carlton
- Who is a qualifying dependent?
- 4. Airline statement credit
- 5. Seek community loans and assistance
- How credit scores affect monthly car payments
- 1. Open an options trading account
- Automatice su plan de ahorro
- Wells Fargo Active Cash® Card
- 3. Tirana, Albania
- Cons of joint bank accounts
- The challenge: Low inventory means slim pickings for buyers
- While in the hospital
- How do Marriott Bonvoy points compare to other hotel programs?
- Stock option quotes explained
- The standard deduction
- Where to exchange currency outside the U.S.
- Max out your 401(k)
- Use the 50/30/20 rule to budget for groceries
- 2. Test websites and apps
- March
- What is a FICO Auto Score?
- Medical expense deduction
- How it works
- Common reasons for excess 401(k) contributions
- Best travel insurance companies
- 1099-OID
- 1. Research the pay
- If you are starting with bad credit
- When do you need to file taxes in 2024?
- How are dividends paid out?
- Rewards
- Best whole life insurance policies for 2024
- How much Genie+ costs
- Free rent-reporting services tenants can use on their own
- What are AI stocks?
- How much do full-service shoppers make?
- Show that you can afford loan payments
- Saturday and Monday flights can help you avoid the Sunday rush
- The bear put spread
- Cómo comer más plantas
- You only need one S&P 500 ETF
- Wellpoint (Amerigroup) Medicare star ratings
- The pros
- Episode transcript
- EveryDollar
- Pros
- Do all workers earn at least the minimum wage?
- Administrative forbearance for other student loan servicers
- Universal Orlando Resort
- 3. … and it can also be a low-interest card
- What should you consider?
- 2. Build a money management blueprint
- Cons
- 2. Find out if you can get your repossessed car back
- 4. Real estate business
- How to avoid voluntary repossession
- How do you start a budget?
- 3. Determine other ownership costs
- 4. Sell stuff online
- Standard FHA 203(k) loans
- 3. The IRS has the paperwork you’ll need
- 3. Calculate your monthly payments
- Mortgage selection tips
- Cash management accounts with high interest rates
- Wells Fargo Wire Transfer Fees
- All year
- 4. Bitcoin exchange-traded funds
- How to get a refund on Southwest Airlines
- Do personal credit scores affect business credit scores?
- When should I receive my 1099?
- OFX
- How Medicare Advantage manages costs
- Average seats
- Trading in a car with negative equity
- What can you invest in with a Roth IRA?
- How much does a cashier’s check cost?
- 60% of consumers begin their product research with a search engine
- Step 3: Claim dependents, including children
- Overdraft fees by institution
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Alternatives to cash advances
- Don’t forget to claim other life insurance policies
- 3. Keep your 401(k) with a former employer
- Why do lenders sell mortgage loans?
- How much can I borrow in federal student loans?
- How to qualify for the QBI deduction
- Cost of term life insurance
- Compare car insurance rates for 20-year-olds
- Does Singapore Airlines have free Wi-Fi?
- 3. Start your equipment investments off small
- 2. You owned the home for fewer than two years
- Advantages of mortgage protection insurance
- Is credit insurance right for me?
- How Ticketmaster is responding
- Income taxes for multi-member LLCs
- Types of credit cards
- Existing reservations
- Frugal entertainment tips
- Estimated tax payments 2024
- 2. Legalize your business
- What do I need to pre-qualify for a personal loan?
- You disagree about how to use your credit card rewards
- Integrations with other online shopping platforms
- Dual agency is illegal in some states
- Standard deduction
- 3. Papa John’s
- When is the best time to use American miles?
- 5. Get ready to pay
- Possible Finance: No-credit-check, high-interest installment loans
- 3. Call the IRS to locate your EIN
- 5. Transfer partners
- Taxis or rideshares
- 3. Think about investing in rental properties
- How long will your mortgage loan last?
- 6. Ask for forbearance on bills
- For credit and savings
- I’m worried about keeping my crypto with an exchange. What should I do?
- Interior storage space
- Getting ready for a recession
- Earn miles from non-flying activities
- 3. Register your business
- 4. Explore mortgage options
- 2. Chase Sapphire Preferred® Card
- How to buy AI ETFs
- The type of central air unit: $600 to $24,000
- Tips for responsible credit card use
- 5. Pick a different neighborhood
- Full Review
- 3. But points aren’t worth much
- 3. The card only works at Synchrony’s partner stores
- New York state supplemental income tax
- Traditional IRA deduction rules
- How the annual gift tax exclusion works
- What is a Closing Disclosure?
- 1099-R
- Home improvement
- 3. Target-date mutual funds
- 2. Be aware of potential costs
- What happens if you don't file your taxes?
- Card networks spur growth
- When debt consolidation is a smart move
- Services provided by landlords
- Prepaid debit card vs. debit card vs. credit card
- Child tax credit expansion: What the tax deal could mean for you
- What does Spirit consider a personal item vs. carry-on vs. checked bag?
- California income tax deadlines and extensions
- 2. Ask yourself why you received the check
- Is LifeLock worth the price?
- If you’re 59½ or older and the account is less than 5 years old
- 5. Earn up to 6X points per $1 on bonus categories
- FHA loan requirements
- Getting the best HELOC rate
- What can I use a home equity loan for?
- 30% of your income: wants
- YNAB
- How does a life insurance trust work?
- Try a simple budgeting plan
- Average monthly car payment by credit score
- What to look for in a new budgeting app
- Aprovechar la boda para alcanzar objetivos financieros
- Wells Fargo Autograph℠ Card
- How a savings account works: withdrawal limits
- Stacking up wins
- Will I qualify for student loan refinancing?
- Who’s covered under Florida PIP insurance?
- Other home insurance companies to consider
- Average interest checking account rate: 0.07%
- 4. It's light on fees
- Joint bank accounts and marriage
- Within baby's first 30 days
- High-yield savings account definition
- How long do stock market corrections last?
- For flights booked with cash
- 2. Document your charitable contributions
- 3. Choose how much you want to invest
- Appeal the claim denial
- Auto-Owners home insurance coverage
- How to invest in the S&P 500 in two steps:
- What are the benefits of early direct deposit?
- Options
- Other factors can help you buy a car with bad credit
- 75% of local-intent mobile searches result in in-person store visits within 24 hours
- Property tax deduction
- Step 4: Refine your withholdings
- What the American Opportunity Credit is worth
- Where to get it
- When can you withdraw from your Roth IRA?
- Is identity theft insurance worth it?
- 3. There is more than one type of compensation
- What interest rate can I expect with federal student loans?
- Types of state income tax
- 1. High-yield savings accounts
- When is Genie+ worth it?
- 3. You didn’t live in the house for at least two years in the five-year period before you sold it
- Our pairing for: Frequent travelers
- Where do lottery prizes come from?
- 4. Buy commission-free ETFs
- Credit Karma
- Reliability
- How to apply for ICR
- Savings account simple interest vs. compound interest
- 4. Bonus malls and offers can earn stellar rewards
- Unintended consequences of negative rates
- 2. Trust in diversification
- Invoice factoring
- 7. Request a payroll advance
- If you got your car back, would you be able to afford insurance, maintenance and gas?
- HMBradley
- Is per-card or overall utilization more important?
- 5. Event planning
- What are the risks of buying crypto?
- 5. Housesit
- 4. Compare lenders
- Rising costs thwart debt payoff plans
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Itemizing
- Use dollar-cost averaging
- Problems with the food and beverage credit
- 5. Peer-to-peer money transfer apps
- Goodbudget, for hands-on envelope budgeting
- Where MetaMask shines
- Are Roth IRAs insured?
- Glossary of overdraft terms
- How do streaming services fit into your budget?
- 3. Budget for taxes
- Standard deduction 2023
- What’s the difference between pre-qualification and preapproval?
- 4. Cash out your 401(k)
- 6 types of dividends
- Fees for USDA and VA loans
- Inflation is not the same for everyone
- 4. Consider your spouse
- 2. Find and compare ETFs with screening tools
- Chase Freedom Flex℠ and Chase Sapphire Preferred® Card
- How does FDIC insurance on prepaid cards work?
- Where Coinbase Wallet shines
- How do Hilton points compare to other hotel programs?
- Higher Education Act justifies plan B
- 2. Choose an investment account
- Request your passport number from the State Department
- Presupuesto para reparaciones y mantenimiento.
- 4. Peer-to-peer lending
- Top credit cards that offer preapproval without a hard pull
- Wednesdays and Thursdays are the cheapest day to fly internationally
- Haga crecer sus ahorros
- The cons
- Formal two weeks’ notice template
- Winner for reliability: Spirit
- If you're 59½ or older and the account is at least 5 years old
- When can you sign up?
- Start with a budget
- When voluntary repossession makes sense
- What’s next?
- 4. Chiang Mai, Thailand
- 4. Find the right car for you
- Managing debt
- 203(k) eligible projects
- 5. It comes with rental car coverage
- Your strategy: Cast a wider net
- How to day trade stocks
- High-yield online savings accounts to consider
- Pay yourself back later
- 2. Take a cut with affiliate marketing
- Is PMI tax-deductible?
- How to dispute your TransUnion report by mail
- How to get a home equity loan
- 6. Use your affiliations
- 3. Learn to use AI tools
- What is a good business credit score?
- Bring a bigger down payment to the table
- 92% of business owners believe that having a website is the most effective digital marketing strategy
- Step 5: Sign and date your W-4
- Is the American Opportunity Tax Credit refundable?
- IRA income limits
- Check for existing protection
- When do personal loans not make sense?
- 3. Decide how to file your taxes
- If you’re over the income limit
- 1. States with no income tax
- Cost of whole life insurance
- What to know about FSAs
- You want to avoid wasting time in line, as much as possible
- Disadvantages of mortgage protection insurance
- Services that charge renters
- Where does lottery revenue go?
- How do multiple personal loans affect your credit?
- Who should make estimated quarterly tax payments?
- Estimate your student loan refinance savings
- What's next?
- Refinance student loans
- Cons
- Where Squarespace wins
- Sweet v. Cardona administrative forbearance
- 4. Taco Bell
- 5. Moving your due date can keep you on track
- 4. Your account is available immediately upon approval
- 20% of your income: savings and debt
- Do you have access to affordable public transportation or a carpool?
- How loan term affects your monthly car payment
- 6. Video production
- Immediate resignation letter example
- Getting started
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Home supply is still limited
- 3. Swagbucks
- Where to avoid exchanging currency
- How much should you spend on a mattress?
- 6. Wallet software
- April
- Types of 1099 forms
- States that have estate taxes, inheritance taxes or both:
- Are there any issues with early direct deposit?
- 4. Redemption options are limited
- 4. You’ll select a Home partner location during the application process
- What’s a spousal Roth IRA?
- The five-year rule for Roth IRAs
- 2. How to get the most out of your points
- What's next?
- 4. The DOT dashboard outlines your rights
- 4. Watch for scams
- GradGuard details
- Understanding your W-2 form
- How to contact your servicer
- 1. Cash dividends
- USDA guarantee fee
- Sign-up bonus
- APR vs. APY: What’s the difference?
- 3. Your eligibility for the welcome bonus
- What this means
- Choosing corporate tax status for your LLC
- Spirit Airlines change fees
- Good or bad for consumers?
- Frugal DIY project tips
- Reduce the amount you need to borrow
- How long will it take to pre-qualify?
- 3. Don’t use the money
- Goodbudget
- Do tipped workers earn the minimum wage?
- 3. There's an upfront incentive, but it won't fund a shopping spree
- Designated agency vs. dual agency
- How much interest will I earn on $10,000?
- LifeLock pros
- Eligible child and dependent care expenses
- 6. Restrategize your filing habits
- How does a HELOC work?
- Family and friend loans
- How to find another company's EIN
- Travel and shopping protections
- 8. Take a loan from your retirement account
- Allow up to 50% of your income for needs
- How to redeem Wells Fargo Rewards
- Building your credit score
- Can a 0% interest credit card hurt your credit score?
- Pay your bill in full every month
- 4. Choose a business name
- What happens to your portfolio in a correction?
- The buy the dip meme
- When can you stop paying for PMI?
- Hilton’s new food and beverage credit prioritizes flexibility
- Find ways to stretch your grocery budget
- 4. Select a provider to open your Roth IRA
- File a complaint with your state insurance department
- Auto-Owners home insurance rates
- 1. Open an investment account
- Bring documents showing financial stability
- What if I lose the cashier's check?
- 45% of brick-and-mortar buyers read reviews before making a purchase
- Mortgage interest deduction
- How to get overdraft fees waived
- The importance of a direct 401(k) rollover
- How to apply for private student loans
- Global Rescue membership types
- Find a car loan
- How to connect to Singapore Airlines Wi-Fi
- 4. You already claimed the home sale capital gains exclusion
- 3. Double declining balance depreciation
- What you need to work for Instacart
- 3. Separate your business and personal finances
- Other ways to pay off student loans
- OpenSky® Secured Visa® Credit Card
- Do I have to pay California state tax?
- What does Wellpoint (Amerigroup) Medicare Advantage cost?
- Pros and cons of investing in stocks
- Online appointment booking
- You can temporarily self-report income
- What else will change for tax year 2024?
- 6. Strategic card combinations amplify rewards
- How to invest in dividend stocks
- 6. Enroll in Marriott Platinum Elite status
- How has the value changed over time?
- What qualifies:
- Fees are a larger concern
- 3. Consider buying the dip
- Home equity loan rates in 2023
- Track your spending
- 6. Travel protection
- LendingTree Spring
- Trolley tours
- Do you plan to declare bankruptcy?
- Oportun
- 7. Podcasting
- Wheels and maneuverability
- Is PIP insurance all you need to drive in Florida?
- Example interest checking APYs at select institutions
- How to open a joint account
- 5. Pre-qualify with a soft credit pull
- Many in credit card debt feel stressed, worried
- Beyond the first month
- Which type of account is best for me?
- Size of the AC system
- Skip currency exchange: Use a credit or debit card
- The bottom line
- Domestic vs. international fees
- For flights booked with Southwest Rapid Rewards points
- Dun & Bradstreet business credit scores
- 1099-A
- Booking award flights
- 5. Card-linked offers may open up more savings
- Final steps
- W-4 form 2024
- 2. Free tax software
- What can I do with my money if I max out my 401(k)?
- Consider do-it-yourself monitoring and recovery
- Standard deduction 2024
- More information on the cost of college
- Here's a quick overview of how to read your W-2:
- File taxes online with tax software
- 2. Stock dividends
- 8 questions to ask before getting credit insurance
- How to choose a rent-reporting service
- Inflation example
- Alternatives to personal loans
- Our pick for: No credit check at all
- What states are increasing minimum wages in 2024?
- Credit score for FHA loans
- 5. It’s one of several ways you can pay for medical expenses
- Business grants
- 9. Borrow against life insurance
- Working toward financial goals
- 6. Write online reviews
- Are my finances stable enough to refinance?
- How to redeem rewards on the Capital One Quicksilver Cash Rewards Credit Card
- PayPal cryptocurrency fees
- Mattress-buying tips
- How to store the Bitcoin you buy
- 3. Don’t miss out on tax deductions for volunteering
- Watch out for capital gains taxes
- Where MetaMask falls short
- Consider bringing your own financing
- Prior online research led to 13% greater in-store spending among omnichannel shoppers
- What is the Lifetime Learning Credit?
- 3. Tap your home equity for a loan or line of credit
- What can cause a 3-day closing delay
- Discretionary spending
- 4. Index funds
- Venmo Credit Card
- 2. States with flat income tax rates
- When a car payment doesn't fit your budget
- 5. Investigate divorced spouse benefits
- Is it a good idea to consolidate credit cards?
- 4. Prepare to eat the cost of promotion
- 5. You bought the house through a like-kind exchange
- Should I file taxes now or wait for the child tax credit expansion?
- What are the lottery payout options?
- Where Coinbase Wallet falls short
- How to convert Hilton points to dollars
- How to invest in AI stocks
- 5. Online savings accounts
- The long straddle
- Step 3: Choose your lender and loan
- Premiums
- The pros
- Additional functionality
- 4. You may get first dibs on merchandise ...
- Public Service Loan Forgiveness administrative forbearance
- Universal Studios Hollywood
- 5. KFC
- 1. Find a dividend-paying stock
- What doesn't qualify:
- EarnIn: No-credit-check cash advances
- Find ways to save
- Types of life insurance trusts
- How much to keep in your savings account
- 5. Hammamet, Tunisia
- 5. Contact the seller or visit a dealership
- 4. You can write off Bitcoin losses
- Unlock perks for linking accounts
- The challenge: High prices push affordability to the worst it’s been in almost 40 years
- 5. Research first-time home buyer assistance programs
- Installation and labor: $75 to $250 per hour
- Hack your IRA
- How to dispute your TransUnion credit report by phone
- Are home equity loans a good idea?
- 1099-B
- Xoom
- 2. Choose your investments
- 3. Search unclaimed property databases
- About the Miles & More frequent flyer program
- 5. The sign-up bonus is paltry, too
- When are New York state income taxes due?
- Charitable contribution deduction
- If you've owned your account for less than five years ...
- 5. Watch for burnout symptoms
- Does pre-qualification affect your credit score?
- 3. Dividend reinvestment programs (DRIPs)
- When to use private student loans
- Regulations catch up
- VA funding fee
- Limiting the cost of Singapore Airlines Wi-Fi
- 4. Your current Sapphire situation
- You’re visiting a park with many, or popular, attractions
- Mortgage protection insurance vs. term life insurance
- What to look out for next
- 5. Trade stocks
- Forgiveness would occur in 2025
- 4. Find startup funding
- Have a co-signer lined up
- Exclusive content for members
- Other ways to pay less
- LifeLock cons
- Gift tax exclusion
- How flexible are American miles?
- Business incubators
- 7. Cell phone protection
- 4. Consider flipping investment properties
- 10. Use a credit card cash advance
- For credit building
- How does credit utilization affect my credit score?
- Estimating your car payment
- 8. IT consulting
- How does crypto fit into your portfolio?
- Saving for and buying a home
- 6. Apply with a hard credit pull
- 5. Obtain licenses and permits
- 4. Marriott Bonvoy Boundless® Credit Card
- How has the Marriott points value changed over time?
- No-PMI mortgages
- Additional costs for international wires
- May
- Discounts
- The drawbacks of options
- How to open a Roth IRA in 6 steps
- 47% of businesses spent less than $10,000 on digital marketing
- How the Lifetime Learning Credit works
- How it works
- Gift tax limit 2023
- Medical costs
- 5. Delayed EU flights can compensate you
- Card details
- How the qualified business income deduction works
- 3. States with progressive tax structures
- How does a debt consolidation loan work?
- 3. Place the trade
- 6. You're subject to expatriate tax
- The lottery annuity option
- Entienda sus obligaciones legales
- Price
- Expensify
- Leave 30% of your income for wants
- Should you earn Wells Fargo Rewards?
- 7. Start a blog
- Rising interest rates are making it harder for many to pay off debt
- The best times to day trade
- How can you prepare for a correction?
- Home prices keep climbing
- 3. Land a brand deal and make sponsored content
- 4. Fiverr
- Limitations of buying the dip
- Hot wallet
- Southwest's cancellation policy
- 4. Keep the deadline in mind
- Equifax business credit scores
- What MetaMask is best for
- Do I have to pay New York state income tax?
- 1. Find out if you're eligible.
- How to find the 2024 W-4
- 3. How to win with the "Chase Trifecta"
- Just two closing documents among many
- 4. Special dividends
- Late payment forgiveness
- How compound interest works
- Buying extra life insurance coverage
- 2. Certificates of deposit
- Does paying rent build credit?
- Our pairing for: Families
- LLC payroll taxes
- How quickly could the IRS implement the child tax credit expansion?
- What Coinbase Wallet is best for
- How to sign up for Instacart
- Frugal home expenses tips
- Tips to find cheap flights any day of the week
- What is California's standard deduction?
- How much can refinancing save?
- Copays, coinsurance and deductibles
- Should you allow dual agency?
- Estate tax exclusion
- 7. 0% APR promotions can save you big on interest
- How do I access a HELOC?
- Ways to get the best home equity loan rates
- Get more help with monthly budget planning
- Revocable life insurance trusts
- Lodging or activity providers
- Types of mortgage loans
- 11. Look for a payday alternative loan
- 3. Know your rights
- Sesame Cash
- 9. Catering
- 2. Pick which options to buy or sell
- Doing great
- PIP insurance vs. health insurance
- Average certificate of deposit rate: 1.81% for one-year CDs
- Holding crypto on PayPal
- Save money on PMI
- What happens next in a TransUnion credit dispute?
- 4. Take surveys for money
- 1099-C
- Consider mediation
- 3 ways to avoid inheritance tax
- Cashier’s check vs. certified check vs. money order
- 92% of small-business reviews that consumers shared online were positive
- Free online tax filing software compared
- And when you retire ...
- Best for emergency medical coverage: Allianz Global Assistance
- Evaluate the risk
- Emergency expenses
- Standard deduction for those 65 or older
- Pros and cons of a 401(k) rollover into an IRA
- Global Rescue membership cost and coverage
- 6. Add your minor child
- Do debt consolidation loans hurt your credit?
- Blue Cash Preferred® Card from American Express and Wells Fargo Active Cash® Card
- How to avoid Spirit Airlines change fees
- Book one to three months in advance
- 4. Alert authorities to fraud
- Minimum wage increases
- 5. ... But you won't want to carry a balance
- Payment processing with Stripe
- Universal vacation packages
- 6. McDonald’s
- 2. Evaluate the stock
- 7. Use your free night award — worth 85,000 points
- Who counts as a qualified care provider?
- 4. Think about getting a second opinion
- How to change or cancel an EIN
- Conventional loans
- Alternatives to savings accounts
- Pros and cons of softsided luggage
- 8. Game on Twitch
- Other student loan calculators
- Refinancing with an FHA 203(k) loan
- Your strategy: Make a budget and stick to it
- 6. Compare mortgage rates and fees
- How did we determine the value of Marriott Bonvoy points?
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Other ways to cut wire-transfer costs
- How much does it cost to invest in the S&P 500?
- How to build your credit before car shopping
- Advantages of itemized deductions
- Who can claim the Lifetime Learning Credit?
- Hire and work with a tax preparer or another tax pro
- How to increase your pre-qualification amount
- 5. Preferred dividends
- How to avoid mortgage insurance
- 5. Your spending plans
- 5. Price yourself in line with the market, if not a little lower
- 4. Sum of the years’ digits depreciation
- How to find AI ETFs
- How to calculate quarterly estimated taxes
- 5. Find suppliers and create your jewelry
- Comparing lenders to get a bad credit auto loan
- How to give two weeks’ notice
- Your money management style
- HSAs and FSAs
- How much does a HELOC cost?
- Use designated accounts for spending and savings
- The lender or repo agency can repossess the car but not the items inside
- Strategies for keeping your credit utilization low
- 10. Social media management
- Other cities where you can find affordable luxury
- 6. Inspect and test-drive the car, if applicable
- The downsides
- Joint accounts for teens
- 7. Make on-time payments to build credit
- Next steps:
- How do I grow my home's equity?
- 5. Gather your paperwork
- 1099-CAP
- Consumer complaints
- How to get the best deal for a Lufthansa economy award flight
- MetaMask at a glance
- Email is the top marketing tool used by small businesses
- Traditional IRA withdrawal rules
- Where to get it
- 5. Exchange-traded funds (ETFs)
- What to do if your W-2 is wrong
- Why you might roll a 401(k) into an IRA
- 2023 state income tax rates and brackets
- When debt consolidation isn't worth it
- Calculating capital gains tax on a home sale
- Requirements: Who qualifies for the child tax credit?
- The cash option
- Coinbase Wallet at a glance
- Reasons to get a credit card
- Start taking Instacart jobs
- What we still don’t know
- 6. High-yield checking accounts
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Step 4: Gather loan documents
- Monthly payments on $100,000+ student loan debt
- The cons
- What is the median household income in the U.S.?
- Airline loyalty programs
- Debt-to-income ratio
- How did we determine the value of American miles?
- Rocket Money
- 12. Get a personal loan
- Resignation due to health issues letter example
- Maintaining financial health
- Size
- 9. Sell photography
- No (immediate) incentive to do so
- 6. Find suppliers
- Day trading risk management
- Terms to describe what an option is worth
- Other low-down-payment mortgage options
- Cold wallet
- Claiming tax-deductible donations on your tax return
- EveryDollar, for simple zero-based budgeting
- Experian business credit scores
- If you are investing in an S&P 500 index fund:
- What to do with an old 401(k)
- Making the decision: options vs. stocks
- Do I have to update my W-4 every year?
- Gift tax limit 2024
- 4. Borrow from your 401(k)
- Pros and cons of personal loans
- 6. You’re owed if you get bumped
- 6. Dividend funds
- Intro APR offer
- Compare auto insurance rates for 35-year-olds
- Important differences between HSAs and FSAs
- You don’t have multiple existing reservations in your day
- Our pairing for: Everyday purchases
- What is hyperinflation?
- Establezca buenos límites
- Our pick for: Beginner-friendly features
- What part of my income gets taxed by California?
- Bonus features
- Rewards rate
- Shopify vs. Squarespace: Pricing
- 3. Decide how much stock you want to buy
- 8. Get reimbursed for Global Entry or TSA PreCheck
- How previously incarcerated people can strengthen their loan application
- How much can you borrow with a home equity loan?
- Make a plan to pay off debt
- Irrevocable life insurance trusts (ILITs)
- Your property shouldn’t be damaged in the process
- Commit 20% of your income to savings and debt paydown
- 5. Failure to report Bitcoin can be costly
- Selling crypto on PayPal
- What you can do if you have credit card debt
- 5. Southwest Rapid Rewards® Plus Credit Card
- 3 tips to control central air conditioning installation costs
- 4. Sell some merch
- Exchange frequently? Consider a multicurrency account
- June
- 1099-DIV
- Consumer experience
- Some helpful links from the IRS
- How your car loan can help you build better credit
- What is New York state's standard deduction?
- 2. Decide what type of investor you are.
- Email marketing’s average ROI is $36 for every $1 spent
- How much money can you put in a Roth IRA?
- Additional standard deduction 2023 (taxes due 2024)
- Getting the most from your pre-qualification limit
- Mobile payments and beyond
- 7. Suspend your benefit
- Is APY variable?
- 4. Sit back and relax
- 3. Bonds
- Next steps
- Citi Premier® Card and Citi Custom Cash® Card
- 3. Learn the difference between investing in stocks and funds
- How to look up passport numbers recapped
- 6. Sell your jewelry
- Set a price alert
- What do I need for my loan application?
- You don’t need to have $10,000 to take advantage of compound interest
- Earned Income tax credit
- 7. Dunkin’
- HELOC requirements
- 5. Focus on the long term
- Afterpay: No-credit-check buy now, pay later loans
- 5. Rent out a room
- MoCaFi
- 11. Business planning service
- Saving and investing for retirement
- Who qualifies for an FHA 203(k)?
- 1. Examine your cooling needs
- Competition remains steady
- The last resort: File a lawsuit
- If you are investing in an S&P 500 ETF:
- Full details about MetaMask's ratings
- How can I avoid cashier's check fraud?
- Disadvantages of itemized deductions
- 4. The Chase 5/24 rule
- Pros
- Your W-2 information is not a secret
- 2023 tax rates by state
- You probably can’t have both an HSA and an FSA
- Full details about Coinbase Wallet's ratings
- How to protect against inflation
- How much relief will borrowers get?
- The long strangle
- Account linking
- Florida resident discount for Universal Orlando Resort
- 9. Get travel insurance coverage
- Additional child and dependent care credit requirements
- Work on your credit score
- 13. Rent out a room
- 10. Pet sit
- It takes time to enroll and manage accounts
- 7. Gather your loan paperwork
- 5. Upwork
- Cheaper ways to send money
- 5. Make money from your blog with affiliate links
- MoneyGram
- 47% of small-business owners run marketing entirely on their own
- 3. Volunteer Income Tax Assistance (VITA)
- How the lifetime gift tax exclusion works
- Where to buy identity theft insurance
- Additional standard deduction 2024 (taxes due 2025)
- 4. Understand how your taxes are determined
- How to evaluate dividends
- Who is Global Rescue membership for?
- Which card should you get?
- Government bonds
- LLC self-employment taxes
- Alternatives to paying more for a bad-credit auto loan
- Rebook if you find a cheaper price
- Credit cards for earning American AAdvantage miles
- Best Android personal expense tracker apps
- Walk or bike
- Government-backed loans
- 12. Tax consulting
- 7. Determine which warranties are right for you
- Durability and security
- Example CD APYs at select institutions
- Transferring crypto into your PayPal address
- The challenge: Multiple offers are common, and first-time buyers have less cash
- Tips to get a approved for a personal loan with bad credit
- 2. Time it right
- 6. Pick your investments
- Why do I need a business credit score?
- 1099-G
- If you are investing in a stock within the S&P 500 index:
- Am I a resident for New York state income tax purposes?
- How to adjust your Form W-4
- Roth IRA income limits in 2023 and 2024
- The bottom line
- 6. Investment apps
- Why you might not want to roll a 401(k) to an IRA
- Singapore Airlines Wi-Fi, recapped
- Disney’s Genie+ recapped
- 2023 long-term capital gains tax rates and brackets
- Additional child tax credit
- How much are lottery winnings taxed?
- How do Instacart shoppers get paid?
- Am I a resident for California state tax purposes?
- Wellpoint (Amerigroup) Medicare Advantage plan types
- How to avoid dual agency
- How to earn more interest in a savings account
- Maximizing the Marriott Bonvoy Brilliant® American Express® Card
- Down payments and gift funds
- Filing status
- How to get a home equity line of credit
- Home equity loan requirements
- Develop good credit habits
- Money Manager
- 11. Do freelance work
- Focusing your earnings may lead to more perks
- Bottom line: Is day trading right for you?
- Options buyer and seller terms
- 5. Offer memberships
- The best place to exchange currency at the end of your trip
- What to do with the Bitcoin you buy
- How to dispute a low claim settlement
- Recap: How to get a cashier's check
- Is the Lifetime Learning Credit refundable?
- How it works
- Standard deduction for dependents
- Frequently asked questions about W-2 forms
- Dividend per share (DPS)
- 8. Use a do-over
- Should you choose an HSA or an FSA?
- 6. Always keep the food and conversation going
- Fees to check in and obtain your boarding pass for your Spirit flight
- Could we be in an AI bubble?
- How will the relief be administered?
- Resident status rules
- Security
- Two-day ticket deals
- 8. Pizza Hut
- 3. Predict the option strike price
- Where to find the best savings accounts
- How do I get an FHA 203(k) loan?
- 7. Secure funding
- 6. United℠ Explorer Card
- 3. Look for equipment rebates and tax credits
- July
- 1099-INT
- The bottom line
- Top 20 performers in the S&P 500 index
- Bottom line
- 3. Choose how much you want to invest.
- More small-business data from NerdWallet
- American Airlines delayed flight compensation recapped
- What's the difference between a W-2 form and a W-4 form?
- How long does it take to get pre-qualified for a mortgage?
- Gemini Credit Card
- Will you owe capital gains taxes on your home sale?
- Depreciation examples
- Costs of carrying a credit card
- Upgrade Cash Rewards Visa®
- Average student debt by type
- Is two weeks’ notice required?
- Are these the best dividend stocks?
- Earned income
- 6. Take advantage where you can
- Find a co-signer
- Which type of life insurance should I put in a trust?
- Next Steps
- 14. Moonlight as a dog sitter
- Dave
- Interior storage space
- Average money market account rate: 0.67%
- 8. Get a preapproval letter
- Your readiness to buy a home
- Charitable deductions 2023
- How do I get my business credit score?
- Double-check your coverage
- The bottom line
- How to have more taxes taken out of your paycheck
- 5. Enter a debt management plan
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Dividend yield
- Card details
- How to get a Global Rescue membership quote online
- How much does homeowners insurance cost in Texas?
- 6. The amount you will travel
- LLC sales taxes
- How to estimate taxes for an income tax extension
- 7. Establish your brand and start marketing
- Our pick for: Fixed monthly payments
- Be flexible with destination, airport and dates
- Step 5: Submit your application and get funded
- 4. If the car is sold, ask if you still owe money
- 13. PR agency
- Transferring crypto from your PayPal wallet
- How to finance central air installation
- Where to exchange currency: Frequently asked questions
- 6. Sell your wares on Etsy
- Other home insurance companies to consider
- Resident status rules
- American Opportunity Tax Credit vs. Lifetime Learning Credit
- Cons
- 2024 state income tax rates and brackets
- What will the final rules be?
- Customer support
- Expenses
- How much can you borrow with a HELOC?
- Are home equity loans a good idea?
- Invest in your financial future
- AndroMoney
- What’s coming to Honolulu public transit next?
- 15. Become a rideshare or delivery driver
- 8. Negotiate the best price
- 12. Create a podcast
- Are FHA 203(k) loans a good idea?
- Your strategy: Use leverage where you have it
- Where to get a personal loan with bad credit
- Prepared to put down roots?
- 1099-K
- 4. Select a provider to open your Roth IRA.
- Advantages of the standard deduction
- 2023-2024 lifetime gift tax exemption
- Why investing is important
- When can't you take the standard deduction?
- What's the difference between a W-2 form and a 1099 form?
- Third-party ratings
- 9. Denny’s
- FHA appraisal
- Create a comprehensive business plan
- Investor-friendly
- Example money market account APYs at select institutions
- Sending crypto to another PayPal user
- Credit unions
- Home equity loan
- How much money can you make on YouTube?
- 6. OfferUp
- Where is the best place to exchange currency?
- Empower Personal Dashboard, for tracking wealth and spending
- How to have less tax taken out of your paycheck
- Where to get it
- 5. Gather tax filing information
- How to avoid capital gains tax on real estate
- How to claim the child tax credit in 2024
- Fees to select a seat ahead of time
- Part-year resident status rules
- Elite status
- Three-day ticket deals
- How to claim the child and dependent tax credit
- What is a no-credit-check loan?
- 16. Cut your insurance premiums
- 14. Professional organizing
- 4. Determine the option time frame
- 13. Become a rideshare or delivery driver
- Increased risk of data leaks
- Home shopping tips
- 7. Delta SkyMiles® Gold American Express Card
- August
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Can you file taxes without a W-2?
- What isn’t covered by Global Rescue travel insurance?
- 1. Live in the house for at least two years
- What to do if you win the lottery
- Understanding depreciation in business and accounting
- What will the ‘financial hardship’ definition be?
- 4. Set a budget for your stock market investment
- AM Best Financial Strength Rating: A (Excellent)
- User experience
- Stock market crashes in history
- M1
- Wheels and maneuverability
- Pros of a 203(k) loan
- 9. Choose a real estate agent carefully
- How do I find a currency exchange near me?
- Western Union
- Education tax forms
- What are the tax rules for a Roth IRA?
- Dividend payout ratio
- Corporate bonds
- Average cost of homeowners insurance in Texas by city
- The bottom line
- LLC tax forms and deadlines
- How to pay estimated taxes
- The synthetic long
- Where Shopify and Squarespace tie
- 3. Make the most of your savings
- 1Money
- 15. Photography
- 7. Self-publish an e-book
- Important considerations when opening a Roth IRA
- 1099-LTC
- Part-year resident status rules
- How to use a W-4 to owe nothing on a tax return
- How to get a personal loan
- How much is my 2023 standard deduction?
- Past years' state tax rates
- Next steps
- 2. See whether you qualify for an exception
- Should you invest in AI stocks?
- Tips for effective credit card use
- Will the plan succeed?
- Discover it® Secured Credit Card
- J.D. Power Ranking
- Reviews
- Unlimited products
- 10. Ben & Jerry’s
- 9. Maximize trade-in value, if applicable
- 14. Tutor
- Cons of a 203(k) loan
- PayPal cryptocurrency alerts
- Online lenders
- Methodology
- Home equity line of credit
- How's your job security?
- Where can you exchange currency for free?
- File an appeal
- 4. GetYourRefund.org
- What is credit card consolidation?
- 6. Settle up with the IRS
- Using depreciation to plan for future business expenses
- Our pick for: An upgrade path
- Nonresident status rules
- 17. Consolidate your debt
- The difference between interest rate and APY
- The bottom line: Set realistic expectations
- 8. Design your bar
- 10. Narrow down your ideal type of house and neighborhood
- 1099-MISC
- 5. Gather your paperwork.
- How much is the gift tax rate?
- Never done it before? Here's what to consider
- If you owe taxes
- Are dividends taxed?
- Is a Global Rescue membership worth it?
- Compare car insurance rates by driver history
- The cheapest home insurance in Texas
- When to expect your child tax credit refund
- After deciding
- Built-in print-on-demand services
- California resident discount for Universal Studios
- Mortgage insurance
- Bottom line: Is it worth claiming the child and dependent care tax credit?
- Stash
- 16. Event space
- Options trading examples
- Price
- Does PayPal offer tax forms?
- Should you join multiple airline rewards programs?
- Earn an audience, and earn more in the long run
- 7. Poshmark
- September
- Are there drawbacks to investing in the S&P 500?
- 3. Keep the receipts for your home improvements
- Fees for in-flight refreshments
- Is getting a HELOC a good idea?
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Soft vs. hard credit inquiry
- Save
- Ask for another at-home visit
- Nonresident status rules
- How it works
- Is consolidating credit card debt a good idea?
- Best for those who pack expensive equipment: Travel Insured International
- Your goals and time horizon
- Next steps
- 7. Your Chase 5/24 count
- How to claim lottery winnings
- Don’t count on the forgiveness plan B yet
- Frequently asked questions about estimated tax payments
- Wellpoint (Amerigroup) Medicare Advantage service area
- Shopify vs. Squarespace: Which is right for your business?
- 11. Edible Arrangements
- If you're ready to start a budget
- 18. Refinance your student loans
- 17. Interior decorating
- An example of buying a call
- 10. Make the purchase
- 15. Rent out items
- Bad credit loans to avoid
- Cash-out refinance
- Are you financially prepared?
- 8. Get advertising revenue from your blog or YouTube channel
- 1099-NEC
- Overall diversification
- Standard deduction vs. itemized deductions
- If you’re getting a tax refund
- 4. Funds
- Is there an over-55 home sale exemption?
- LLC tax tips for business owners
- Depreciation and taxes
- 5. Focus on investing for the long-term
- Can you pay estimated taxes at any time?
- Pros
- The bottom line on how to prepare for a stock market crash
- 5. Work on improving your credit
- Hardsided vs. softsided luggage weight
- What protections does PayPal offer?
- 9. Develop your marketing strategies
- 8. The Platinum Card® from American Express
- Other details you should know about MetaMask
- 6. Pick your investments.
- Which one should I take?
- W-4 calculator
- Risk tolerance and diversification
- 2023 vs. 2024 standard deduction
- Consequences of a child tax credit error
- What are the largest lottery jackpots ever?
- In-cabin pet fee
- 19. Change your cell phone plan
- Acorns
- 18. Woodworking or furniture building
- 16. Use cash back apps
- Payday lenders
- Other ways to make money
- Complain to the state insurance department
- Where to get it
- How to avoid gift tax
- Money market funds
- Compare car insurance rates for drivers with a DUI
- What to know about Texas homeowners insurance
- If you're considering the Chase Sapphire Preferred® Card
- Other details you should know about Coinbase Wallet
- What happens if I forget to pay my quarterly taxes?
- Mission Lane Visa® Credit Card
- California state tax credits
- Become an annual pass holder or season pass holder
- Cons
- No-credit-check loan example
- Invest
- Other types of mortgage loans
- An example of buying a put
- The bottom line
- PocketGuard, for a simplified budgeting snapshot
- October
- 1099-OID
- Our pick for: No security deposit, low annual fee
- 12. Cinnabon
- Types of FHA loans
- Avoid risky loans
- How the FDIC calculates national rates
- 11. Stick to your budget
- Personal loan
- Get an appraisal
- Gifting large sums of money to family
- When to claim the standard deduction
- Hurricanes
- Priority boarding and security access
- Wellpoint (Amerigroup) customer service
- 19. Graphic design
- High-interest installment lenders
- 10. Pick a reliable POS system
- 1099-PATR
- How to choose among the best ways to send money internationally
- Is MetaMask right for you?
- What is New York City's tax rate?
- What else to know about Form W-4
- 5. Tax Counseling for the Elderly (TCE)
- State child tax credits
- 6. Manage your stock portfolio
- How can I make paying quarterly taxes easier?
- California earned income tax credit (CalEITC)
- Home purchase: Basic Home Mortgage 203(b)
- Albert
- Why trade options?
- 9. Become an Instagram influencer
- What if you're not eligible?
- 1. Has the W-4 form changed?
- The bottom line on investing for beginners
- The 10 largest lottery jackpots
- Is Coinbase Wallet right for you?
- Pay off debt
- 20. Clothing boutique
- 9. Capital One Venture Rewards Credit Card
- 1099-Q
- How it works
- Paying for vacations, cars or other stuff
- Mutual funds
- Unaccompanied minor fees
- California young child tax credit (YCTC)
- 13. Dairy Queen
- FHA refinance loans
- Is it better to get a home equity loan or line of credit?
- Things to consider about loans with no credit check
- November
- How we review crypto wallets
- What is the $500 credit for other dependents (ODC)?
- Credit cards
- Traveler-friendly
- 21. Bed and breakfast
- 12. Make the most of walk-throughs and open houses
- 1099-R
- NYC tax rate schedule
- 2. What does it mean to be exempt from taxes?
- Where to get it
- Laid-back loans
- Best for adventurous travelers: World Nomads
- How we review crypto wallets
- Prosper® Card
- California child and dependent care tax credit
- Credit card rewards
- Alternatives to personal loans for bad credit
- Try mediation
- Hail
- Child tax credit vs. child and dependent care credit
- Best stocks for beginners
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Repeat
- More resources
- Monzo
- 22. Food truck
- The bottom line
- 10. Monetize your Twitch channel
- 1099-S
- Joint bank accounts
- Index funds
- Bundle packages
- California adoption cost tax credit
- 14. Cold Stone Creamery
- FHA renovation loans
- What to do if you can’t keep up with your HELOC payments
- What are the Roth IRA rules?
- 6. MilTax
- Home purchasing tips
- 10. Hilton Honors American Express Aspire Card
- Turn to litigation
- California nonrefundable renters tax credit
- Other specialty FHA loans
- Teen-friendly
- 23. Restaurant or cafe
- 13. Don’t skip the home inspections
- Honeydue, for budgeting with a partner
- December
- 1099-SA
- Roth IRA withdrawal rules
- 3. When should I review my W-4?
- Tornadoes
- 6 things to know about New York state income tax
- How it works
- FHA loan limits
- How to shop for no-credit-check loans
- Greenlight
- 24. Craft brewery
- What does a 1099 employee mean?
- Roth IRA withdrawal penalty
- The bottom line on investing in stocks
- Capital One QuicksilverOne Cash Rewards Credit Card
- The bottom line
- 4. Be persistent
- Do I need additional travel insurance?
- 11. Sell your photography
- More tips
- 4. Can I adjust my W-4 multiple times throughout the year?
- Where to get it
- Compare auto insurance rates for drivers with poor credit
- Wildfires
- Our pick for: Average credit and rewards
- How to track your California state refund
- 14. Negotiate with the seller
- 25. Ice cream shop
- Best for medical coverage: Travelex Insurance Services
- No-credit-check loan alternatives
- 7. Direct File
- Texas Department of Insurance
- How to apply for an FHA loan
- Online loans
- Step
- 26. Personal chef
- Exchange-traded funds
- 15. Buy adequate home insurance
- California sales tax
- Military discounts
- 27. Landscape services
- How to make money from home
- Budgeting resources from NerdWallet
- How it works
- Alternatives to the best whole life insurance
- Looking for more insurance in Texas?
- Capital One Platinum Credit Card
- Fees
- Co-signed or joint loans
- Migrant-friendly
- Fees across U.S. airlines
- Our pick for: Average credit and no annual fee
- Winner for lowest fees: Spirit
- 28. Pet grooming
- 12. Become a dog walker with Rover or Wag
- Pros and cons of FHA loans
- Majority
- Cards with travel insurance, recapped
- 5 things to know about California state tax
- Secured loans
- 29. Florist
- Where to get it
- More about whole life insurance
- 5. Stocks
- The bottom line
- AAA membership discounts
- Benefits of FHA loans
- Individual stocks
- Methodology to identify the best budget apps
- Disadvantages of FHA loans
- Family loans
- Comun
- 30. Massage therapist
- 13. Sell unused gift cards
- AvantCard Credit Card
- Best if you have travel credit card coverage: Seven Corners
- Our pick for: Limited credit
- Warehouse clubs
- Payment plans
- Emerging
- More about top-rated life insurance companies
- Dividend stocks
- Ways to get the best FHA mortgage rates
- 31. Nutritionist
- How to get discounted Universal Studios tickets, recapped
- Credit union loans
- Bunq
- 14. List your spare bedroom on Airbnb
- Compare car insurance rates for drivers with an accident
- 32. Personal trainer or fitness instructor
- Capital Good Fund
- Blue Cash Everyday® Card from American Express
- Is Spirit better than Frontier?
- Our pick for: Good credit
- Totem
- 33. Beauty services
- 6. Alternative investments
- 34. Life coach
- How to make money offline
- Best for long-term travelers: IMG
- Methodology
- 15. Sell your gently used clothes
- Capital One Venture Rewards Credit Card
- 35. Tutor
- Our pick for: Travel
- 7. Real estate
- Neobanks we’ve reviewed
- 36. Daycare provider
- Standard (nonbank) neobanks
- 16. Trade in old phones, electronics for cash
- 37. Senior care provider
- Apple Card
- Neobanks that are online banks
- 38. Interpreter or translator
- Our pick for: Instant gratification
- Best for travelers with unpredictable work demands: Tin Leg
- How to choose the best investments in 2024
- How to compare car insurance rates
- 39. Housecleaning
- 17. Get a babysitting gig
- Digital wallets with banking services
- 40. Automotive repair
- 1. Gather your information
- Venmo Credit Card
- 41. Handyman services
- 18. Rent out your car
- Fintech firms with cash management accounts
- Our pick for: Personalized rewards
- 42. Dry cleaners
- Best for booking travel with points and miles: TravelSafe
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 45. Freelance copywriting and content creation
- 46. Rideshare driver
- 20. Become a private tutor
- 47. Website development and design
- Best for group travel insurance: HTH Insurance
- 48. Sell clothes online
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- 50. App development
- Want to start a business?
- 22. Make deliveries for Amazon, Uber Eats
- 4. Collect and compare car insurance quotes
- Types of travel insurance
- 23. Find work as a housesitter
- Types of travel insurance
- Trip cancellation
- Trip interruption
- 24. Sign up to be a mystery shopper
- How to choose an insurance company
- Trip delay
- 25. Put your drone to work
- Cancel For Any Reason
- Compare car insurance companies
- Baggage delay
- Watch out for making money scams
- Lost baggage
- Travel medical insurance
- What does travel insurance cover?
- What does travel insurance cover?
- What's not covered?
- What’s not covered?
- How much does it cost?
- How much does it cost?
- Do I need travel insurance?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- More resources for travel insurance shoppers
- Frequently asked questions
- Methodology
The car-buying process can be draining and daunting, from navigating auto loans to determining affordability and ownership costs. And the process can get even more difficult in the current market, where low inventory and higher-than-usual prices can make it hard to find the exact car you’re looking for.
Here’s a NerdWallet car-buying guide to help simplify the process and assist you with making the smartest financial decisions throughout the journey.
1. Set your budget
Setting a budget is the first step to take when buying a car — before you even start looking for a vehicle or set foot in a dealership. If you’re paying cash, this step will be easier and faster for you. Even then, you'll still want to be aware and prepared for the other costs associated with buying a car, like registration fees, taxes and insurance.
Most Americans finance their vehicle purchases. In 2022, 80% of new vehicles were financed and 40% of used cars were financed, according to research from Experian Automotive, an auto data research company. Setting a budget means determining how much you can afford for a down payment and for monthly car payments.
Here are the basics for setting a budget:
Determine the price of the vehicle you can afford based on your income and budget.
Use our auto loan calculator to see an estimate of your monthly car payment and total loan amount based on the vehicle price, interest rate, loan term, down payment and more. Try entering different vehicle prices and see how the loan payment changes.
Use our reverse auto loan calculator to determine your potential loan total, if you have a set monthly car payment already in mind.
2024
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$368.47
2024
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Payment date | Principal | Interest | Monthly payment | Principal balance |
---|---|---|---|---|
Mar 2024 | $301.80 | $66.67 | $368.47 | $15,698.20 |
Apr 2024 | $303.06 | $65.41 | $368.47 | $15,395.14 |
May 2024 | $304.32 | $64.15 | $368.47 | $15,090.82 |
Jun 2024 | $305.59 | $62.88 | $368.47 | $14,785.23 |
Jul 2024 | $306.86 | $61.61 | $368.47 | $14,478.36 |
Aug 2024 | $308.14 | $60.33 | $368.47 | $14,170.22 |
Sep 2024 | $309.43 | $59.04 | $368.47 | $13,860.79 |
Oct 2024 | $310.72 | $57.75 | $368.47 | $13,550.08 |
Nov 2024 | $312.01 | $56.46 | $368.47 | $13,238.07 |
Dec 2024 | $313.31 | $55.16 | $368.47 | $12,924.76 |
Jan 2025 | $314.62 | $53.85 | $368.47 | $12,610.14 |
Feb 2025 | $315.93 | $52.54 | $368.47 | $12,294.22 |
Mar 2025 | $317.24 | $51.23 | $368.47 | $11,976.97 |
Apr 2025 | $318.56 | $49.90 | $368.47 | $11,658.41 |
May 2025 | $319.89 | $48.58 | $368.47 | $11,338.52 |
Jun 2025 | $321.22 | $47.24 | $368.47 | $11,017.29 |
Jul 2025 | $322.56 | $45.91 | $368.47 | $10,694.73 |
Aug 2025 | $323.91 | $44.56 | $368.47 | $10,370.82 |
Sep 2025 | $325.26 | $43.21 | $368.47 | $10,045.56 |
Oct 2025 | $326.61 | $41.86 | $368.47 | $9,718.95 |
Nov 2025 | $327.97 | $40.50 | $368.47 | $9,390.98 |
Dec 2025 | $329.34 | $39.13 | $368.47 | $9,061.64 |
Jan 2026 | $330.71 | $37.76 | $368.47 | $8,730.93 |
Feb 2026 | $332.09 | $36.38 | $368.47 | $8,398.84 |
Mar 2026 | $333.47 | $35.00 | $368.47 | $8,065.36 |
Apr 2026 | $334.86 | $33.61 | $368.47 | $7,730.50 |
May 2026 | $336.26 | $32.21 | $368.47 | $7,394.24 |
Jun 2026 | $337.66 | $30.81 | $368.47 | $7,056.58 |
Jul 2026 | $339.07 | $29.40 | $368.47 | $6,717.52 |
Aug 2026 | $340.48 | $27.99 | $368.47 | $6,377.04 |
Sep 2026 | $341.90 | $26.57 | $368.47 | $6,035.14 |
Oct 2026 | $343.32 | $25.15 | $368.47 | $5,691.82 |
Nov 2026 | $344.75 | $23.72 | $368.47 | $5,347.07 |
Dec 2026 | $346.19 | $22.28 | $368.47 | $5,000.88 |
Jan 2027 | $347.63 | $20.84 | $368.47 | $4,653.24 |
Feb 2027 | $349.08 | $19.39 | $368.47 | $4,304.16 |
Mar 2027 | $350.53 | $17.93 | $368.47 | $3,953.63 |
Apr 2027 | $352.00 | $16.47 | $368.47 | $3,601.63 |
May 2027 | $353.46 | $15.01 | $368.47 | $3,248.17 |
Jun 2027 | $354.93 | $13.53 | $368.47 | $2,893.24 |
Jul 2027 | $356.41 | $12.06 | $368.47 | $2,536.82 |
Aug 2027 | $357.90 | $10.57 | $368.47 | $2,178.93 |
Sep 2027 | $359.39 | $9.08 | $368.47 | $1,819.54 |
Oct 2027 | $360.89 | $7.58 | $368.47 | $1,458.65 |
Nov 2027 | $362.39 | $6.08 | $368.47 | $1,096.26 |
Dec 2027 | $363.90 | $4.57 | $368.47 | $732.36 |
Jan 2028 | $365.42 | $3.05 | $368.47 | $366.94 |
Feb 2028 | $366.94 | $1.53 | $368.47 | $0.00 |
2. Shop for a loan
After you’ve determined your budget, it's time to find the right loan for you. The loan amount and interest rate you’ll get will largely be based on your credit score and income. If you have a higher credit score, you’ll usually have a lower interest rate. On the flip side, those with poor credit scores typically qualify for loans with higher interest rates.
To completely understand what you qualify for, get a preapproved offer for a car loan. This is beneficial even if you plan to finance through a car dealership because it’ll give you negotiating power. For example, if the dealership tries to offer you a loan with 8% interest, you can show a preapproved offer for 5% interest for the dealership to match.
Compare the following lenders and get a preapproved offer.
Compare auto loans, rates and lenders: Find the right lender for your vehicle purchase.
Bad credit auto loan options: These loan options are for those with lower credit scores, in the mid-600s or below.
Loan options for first-time car buyers: See your finance options if you’re buying your first car.
Private-party auto loans: These lenders will finance cars purchased from a private seller.
3. Determine other ownership costs
Car costs go beyond just making loan payments. There are additional costs that increase how much you might have to shell out monthly, including registration fees, depreciation, interest, gas, insurance, maintenance and other fees.
Here are some resources to help you calculate the ongoing costs of owning a car:
Determine monthly ownership costs with this detailed breakdown.
Understand how much routine car maintenance usually costs.
Estimate your car insurance costs with our car insurance calculator.
Compare car insurance rates to make sure you’re not overpaying or overinsured.
4. Find the right car for you
Once you’ve analyzed the costs associated with buying a car, you can start to look for options based on the budget you’ve set. Depending on whether you’re looking for new, used or certified pre-owned options, you can shop with a trusted and reliable dealer in person or online through car-shopping marketplaces. You can also purchase used cars from private-party sellers on platforms like Craigslist and Facebook Marketplace.
Regardless of how you decide to shop, if you’re buying a used car, the first step to determine if a car is suitable is to look at its vehicle history report. These reports provide information about a car’s record of major accidents, previous owners and usage, mileage and more. They can even sometimes give you insight into a car’s past, like its maintenance record.
The following guides can help you during the car-buying process, based on what type of car you’re looking for.
How to buy a new car: These steps can help make the car-buying process for a new vehicle easier.
How to buy a used car: Whether you purchase from a dealer, a private-party seller or an online retailer, finding the exact used car you’re looking for can be rough in the current market. This checklist can make the process smoother.
Comparing car-buying apps: Apps like Autolist, Autotrader, CarFax and more can help you compare cars in your budget or even buy your car completely online.
5. Contact the seller or visit a dealership
After you’ve selected some options you’re ready to pursue, you can contact the seller or visit the dealership to see the car(s). This might be a matter of physically driving to the dealership and talking with a salesperson or entering data to receive an exact price online.
Here’s what to do once you’re ready to contact a seller or dealer:
Request a quote from a car dealer by email, phone or by filling out an online form to compare prices and costs across dealerships or sellers.
6. Inspect and test-drive the car, if applicable
If you’re buying a new car, it’s not necessary to have it inspected because there were no previous owners. But you should always test-drive a car to get a feel for how it moves on the road. However, if you’re buying a used car, there are additional steps you need to take to make sure you’re not paying more than a car is worth or buying a damaged vehicle.
Even after viewing a car’s vehicle history report, it's still important to view a car in person if you're able to and also have it inspected by a trusted and reliable mechanic. Pre-purchase inspections typically include test drives and can help to make sure there are no underlying problems with the car in question. Note that if you’re buying a car online, test driving may not be an option, but you should receive inspection documents at the very least.
Here’s what you need to know about a used car inspection:
Getting a third-party car inspection before you buy a used vehicle can help ensure it's in good condition.
7. Determine which warranties are right for you
Warranties and maintenance plans are not right for every buyer. But sometimes having the additional protection can make you feel safer and give you peace of mind. To determine if a warranty is right for you when buying, consider how long you expect to keep the car, how reliable the car is, and if it makes sense to waive a warranty at the time of buying and opt for it later on in the car’s life.
Note that you can buy other types of coverage — such as gap coverage and road hazard protection — from your auto insurer, which can often be cheaper.
Consider the following when deciding on a warranty plan:
Determine if you need an extended car warranty at all. If you have a reliable car and have some money saved to cover the cost of unexpected repairs, for example, you might not need one.
You can cancel your extended car warranty if you determine that it's not right for you.
8. Negotiate the best price
Deals are harder to find in the current market, but buyers can still try to negotiate down car prices to stay within their budget. Note that dealers might often charge more than the sticker price by adding fees and dealer options. Because of this, you'll want to compare the dealer’s asking price with the average market price.
When negotiating, be clear about whether you’re discussing the car’s “out-the-door” price, which includes taxes and fees, or only the sale price of the car. The following guide can help you while you negotiate.
How to negotiate car prices: Knowing your budget and doing research about the current market value of a car can help you during negotiations and potentially help you pay less than the manufacturer's suggested retail price (MSRP).
9. Maximize trade-in value, if applicable
If you’re trading in a car to purchase another, make sure you're getting the best trade-in price for your vehicle. The trade-in value is how much you’ll get toward the cost of another car when you trade in your car at a dealership. To get the best price for your trade-in, negotiate the trade-in value and the new car price separately.
Keep the following in mind as well, when trading in your car:
Determine what your car is worth before going to a dealer by using online retailers and pricing guides.
It's possible to trade in a car you owe money on, but it can be costly to do so. Learn more about negative equity to determine if it’s worth trading in the car right now.
10. Make the purchase
Now that you've decided on a car, it's time to make the purchase. This process includes reviewing and understanding your loan terms, questioning any unnecessary fees like dealer add-ons or advertising fees, understanding who your loan servicer is, where and how to make your payments, then signing to complete the process.
Before signing the contract, make sure to do the following:
Review your auto loan agreement by checking for things like what warranties are included or any unnecessary additional products and services, for example. Also, make sure any down payment or trade-in is credited.
Make sure the terms on your agreement match what you’ve calculated.
Pay necessary car-buying fees like sales tax, documentation fee and registration costs.