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- 3. Read the fine print
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- May
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- Ecwid: Best free way to add e-commerce to existing websites
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- Advanced points hack: Earn Alaska and American miles elsewhere
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- Meanwhile, minimize the impact of inflation on your life
- 7. “The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers” by Ben Horowitz
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- 7. Start a blog
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- Term of the month: The Buffett indicator
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- Redeem points for five consecutive nights because the fifth night is free
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- Best car insurance in New Jersey for ease of use: State Farm
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- Whole life insurance is expensive
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- Equifax business credit scores
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- You don't want to risk sold-out cars
- When debt consolidation isn't worth it
- Unanswered complaints: 0 – 40 points
- 6. You can opt to earn airline miles or hotel points — but it’s probably not worth it
- 9. Browse store aisles
- Trust Wallet at a glance
- What else should I know about Roth 401(k) taxes?
- Evaluate the risk
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- Cashier’s check vs. certified check vs. money order
- Cheapest car insurance companies after a speeding ticket in California
- How much does a HELOC cost?
- Other Roth IRA rules
- When 2% cash back isn’t quite 2%
- Other Marriott Bonvoy transfer partners worth considering
- 6. Find local gigs through Nextdoor
- Guarda: 4.6 out of 5 stars
- Minimum wage increases
- Banks
- Ruby Lane
- 7. Buy in bulk
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Benefits of a larger down payment
- 3. Review your qualifications.
- 8. Game on Twitch
- What information is not found on your credit reports?
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- Dividend tax rate 2024
- Which is better when?
- Lingering questions
- Be prepared for your CD’s maturity
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- 5. It comes with other travel goodies
- 6. St. Louis, Missouri
- Avoid the student loan scammers
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- What happens when a bank fails
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- Insurance broker vs. independent agent
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- 13. Engage with your community
- Best insurance company for affordability: NJM
- 2. Evaluate the stock
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- Dependent care FSA
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- Brokerage accounts are taxable accounts
- 3. Hike, fish and canoe at Disney's Fort Wilderness Resort & Campground
- Other ways to cut wire-transfer costs
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- Net worth of U.S. families by age
- Flooding
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- You’ve got money left over for savings
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- If you fly first class on Singapore Airlines
- Why it’s the best
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- Alternative wealth management services
- What is net investment income tax?
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- How to buy a home with Opendoor
- 4. Pick an investment strategy
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- What to consider before you begin investing
- Ask about discounted rates
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- What part of my income gets taxed by California?
- How to avoid business loan default
- What percent down payment do you need for a house?
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- How do you get out of the Medicare donut hole?
- Best insurance company for affordability: NJM
- 6. Keep your deal clean
- Extra personal property coverage for valuable items
- Third-party options
- Money market mutual funds = lowest returns, lowest risk
- Upside
- What is stock market volatility?
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- FHA loans
- What is the Global Entry interview like?
- First-time home buyer programs near South Carolina
- What about my goals besides retirement?
- Tips to find cheap flights any day of the week
- 3. Estimate your total savings needs
- Central America
- Next Steps:
- Home equity takes time to build
- How did we determine the value of American miles?
- 8. “Founders at Work” by Jessica Livingston
- Collision and comprehensive coverages
- 11. Create a local grocery delivery service
- Why liquid assets are important
- Closed-loop cruises
- Why did First Republic Bank fail?
- Compare Roth 401(k) vs. traditional 401(k)
- Flying on partner airlines
- Hope for the best
- 5. Learn about dollar-cost averaging
- Step 4: Gather loan documents
- Is a robo-advisor a fiduciary?
- Your spouse’s federal student debt
- 2. Evaluate the stock
- How do fleet cards work?
- 1. Check your employer-sponsored retirement plan
- 4. Review their fees
- Credit cards today
- 2023 state income tax rates and brackets
- Medallion Qualifying Miles rollovers
- How to find AI ETFs
- Rocket Money
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- 7. Freelance
- Green, Gold and Platinum pay over time cards
- Full list of the best homeowners insurance in New Mexico
- Use a debt payoff strategy
- What is the median household income in the U.S.?
- Redemption value
- 9. Sell photography
- Salary
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- EveryDollar, for simple zero-based budgeting
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- U.S. passport agency locations
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- 3 tips to control central air conditioning installation costs
- How do you buy Vanguard Index fund shares?
- 14. Plan an event
- Other stock market changes: Dips, corrections and crashes
- Next steps
- Book one to three months in advance
- Pros of a personal line of credit
- Commit 20% of your income to savings and debt paydown
- 10. Check your receipts
- FSA balances will expire
- A recession? You've already been through one or more
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- Full details about Trust Wallet's ratings
- 7 ways to reduce your 401(k) taxes
- 9. Visit a local museum
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- Net worth of U.S. families by race or ethnicity
- HELOC requirements
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- Marriott Bonvoy's exclusive transfer partners
- Don’t pay for advance seat selection
- 4. U.S. Bank
- When is the Virginia state income tax deadline?
- Etsy
- How much should you put down on a house?
- How to report dividend income on your taxes
- 2024 child tax credit news update
- Review your business finances
- June
- Days in the cycle
- Can I take my own passport photo?
- Mutual fund fees
- 1. Examine your cooling needs
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- WooCommerce: Best e-commerce plug-in for WordPress users
- Apply for TRIP
- 4. Sell some merch
- 2024 lifetime gift tax exemption
- How do you buy 10-year Treasury notes?
- 7. Plan to reassess
- Is APY variable?
- 3. Decide how much stock you want to buy
- Discounts
- Experian business credit scores
- Do I have to update my W-4 every year?
- You might be able to reserve a car now — and rebook the same one later at a discount
- 3. Learn the difference between investing in stocks and funds
- 12. Start a virtual event planning company
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- How to open a CD
- Arrive early to enjoy the lounge
- Roth IRA eligibility rules
- How to complain about Aidvantage
- What do I need for my loan application?
- 2. Invest through a tax-advantaged brokerage account
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- How to do well on Upwork
- 7. Your travel card may already include travel insurance benefits
- Exodus: 4.5 out of 5 stars
- The cons
- SBA lenders
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- 4. Choose your bookkeeping software
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- 5. Rent out a room
- How much does it cost?
- Employment status
- How much does it cost to open a liquor store?
- 10. Gas station
- Publicly-traded REITs
- Low-down-payment mortgages
- Is there any insurance that covers the donut hole?
- Cash value takes a long time to build
- 7. Gather your loan paperwork
- 6. Dividend funds
- 7. Cleveland, Ohio
- Liability coverage
- Takeaways for first-timers
- Sole proprietorship taxation: Income and self-employed taxes
- Citi Custom Cash® Card
- How to minimize the tax impact of a bonus
- 6. Invest in the right equipment
- 15. Welcome new neighbors
- After you're approved for Global Entry
- You can’t transfer miles between American and Alaska, but you can use points with either airline to book flights with the other
- The bottom line
- 9. “The Lean Startup” by Eric Ries
- How can I avoid cashier's check fraud?
- 3. Decide how much stock you want to buy
- Uses for unsecured loans
- Net worth of U.S. families by education
- Maintenance or general wear and tear
- Transfer Marriott Bonvoy points to dozens of airlines
- 2023 tax rates by state
- Million Miler changes
- Excess Roth IRA contributions
- When did all of the tech layoffs start?
- The long strangle
- Full list of the best car insurance in Florida
- 7. Viceroy Bali
- Cell phone insurance
- 8. Tutor your peers
- How to pay lower taxes when selling stocks
- Cash-out refinance
- Get a debt consolidation loan
- Work with a real estate agent to find your ideal second home
- Weather-battered places may become uninsurable
- Are Roth IRAs safe?
- 10. Pet sit
- 5. Upwork
- Full list of the best car insurance in New Jersey
- Power and lighting
- Am I a resident for California state tax purposes?
- LLC self-employment taxes
- Lodge a student loan complaint
- 5. Make money from your blog with affiliate links
- When will I get my refund?
- Reconsideration for PSLF applications
- Dress code for a passport picture recapped
- 2. Time it right
- 1. Review your W-4
- How to pick seats on Spirit Airlines
- Credit score requirements
- National first-time home buyer programs
- 4. Borrow from your 401(k)
- South America
- Credit cards for earning American AAdvantage miles
- 11. Use social media
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- Land or sea border crossings
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- Why are passport processing times suddenly so slow?
- CD vs. savings account
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- Bottom line
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- 5. Cover any remaining gaps with loans
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- Best Android personal expense tracker apps
- 1. Think long term versus short term
- Cheapest final expense companies for 2024
- Example CD APYs at select institutions
- Electronics
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Watch out for 'upgrades'
- Marital status and spouse’s credit history
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- How to maximize your rewards
- 11. Grocery store
- How to control your dividend tax bill
- Resident status rules
- Are there ways to avoid the Medicare Part D donut hole?
- Overfunding a policy can be costly
- Make 10 years' worth of payments
- Schedule C
- American Express Membership Rewards points
- How do you invest in the stock market?
- Book round-trip flights
- Do you pay tax on T-notes?
- VA loans
- 16. Use email
- 13. Sell zero-waste products
- How to improve your liquid net worth
- Why did Silicon Valley Bank fail?
- Which is better?
- Consumer experience
- 5. Select your retirement investments
- Other ways to earn AAdvantage Loyalty Points
- Final thoughts on Copa Airlines business class
- Is Upwork the right freelance marketplace for you?
- Money Manager
- How to pay estimated taxes
- AmEx EveryDay Cards
- How much does homeowners insurance cost in New Mexico?
- Online lenders
- Swappa, Gazelle
- First checked bag free
- 5. Set up your business infrastructure
- 11. Do freelance work
- Know what’s inside
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- Cheapest car insurance after a DUI
- Switch to LED lighting
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- Public non-traded REITs
- Talk to your lender
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- 5. Hiring a tax relief company
- Scheduled personal property
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- 3. Look for equipment rebates and tax credits
- Capital One SavorOne Cash Rewards Credit Card
- Other ways to buy insurance
- 5. Offer memberships
- Consumer complaints
- Why do I need a business credit score?
- How to adjust your Form W-4
- Additional resources:
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to earn Hilton Honors points quickly
- 7. Elite status can be hard to get except through a credit card
- 10. “Never Too Late to Startup” by Rob Kornblum
- Brokerage accounts vs. IRA
- Fees to check in and obtain your boarding pass for your Spirit flight
- Recap: How to get a cashier's check
- Is the Buffett indicator high or low right now?
- Fleet expense management tools
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- The bottom line
- Marriott Bonvoy transfer partners to avoid
- 9. Take surveys
- 2. Look into tax-loss harvesting
- Coinbase Wallet: 4.4 out of 5 stars
- Who benefits from the cash stuffing envelope system
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- Credit cards
- 5 things to know about Virginia state income tax
- Negotiate a lower APR
- Travel credits
- Other considerations to determine your down payment
- Alternatives to Roth IRAs
- Assets
- 5. Manage your mutual fund portfolio
- Next steps
- Down payment assistance programs
- July
- What's next?
- Is the Medicare donut hole going away in 2024?
- Infinite banking is complicated
- 8. Get a preapproval letter
- 8. Irving, Texas
- Using points and miles to fly between Maui and Oahu
- Ibotta
- What are the best Vanguard index funds?
- Who pays the gift tax?
- FHA loans
- 17. Start a podcast
- What happens if you are declined?
- Set a price alert
- Cons of a personal line of credit
- Unresolved complaints: 0 – 30 points
- Gap insurance
- 14. Make products for pets
- Earning Loyalty Points through American Airlines credit cards
- CD vs. bond
- How to settle a dispute with Aidvantage
- Should you get a secured or unsecured personal loan?
- Should you file a claim for plumbing problems?
- 2. Choose your funds
- Book Hotel + Air packages
- New choice benefits for SkyMiles elites
- Could we be in an AI bubble?
- Why you can trust NerdWallet
- 8. Keswick Hall, Charlottesville, Virginia
- Why you might want the Citi Double Cash® Card
- 1. Southwest Rapid Rewards
- Average money market account rate: 0.66%
- Summary: Buying a second home
- 5. Understand your investment options
- 5. Gather documentation and submit your application.
- Why you can trust NerdWallet
- Additional considerations
- Install dimmer switches
- Set cash aside
- LLC sales taxes
- Dividend per share (DPS)
- Medical payments coverage
- Can you get a passport in one day?
- Blanket personal property
- Methodology
- Can you lose money in mutual funds?
- How to finance central air installation
- Cash bonuses on cards with an annual fee
- 2. Make sure your bonus is actually taxable
- Freewebstore: Most customizable e-commerce website for the price
- Avoid traveling to certain countries
- Spirit Airlines seat selection fees
- Are these the best dividend stocks?
- Consumer experience
- 4. Invest for growth
- 3. Credit-building cards
- Europe
- 5. Know what tax records to keep
- What's next?
- Step 5: Submit your application and get funded
- How much can you borrow with a HELOC?
- Other home insurance companies to consider
- Blue Cash Cards
- Credit unions
- 401(k) loans
- 12. Drugstore
- How quickly could the IRS implement the child tax credit expansion?
- Alternatives to infinite banking
- 6. Sell your wares on Etsy
- Tax Day resources
- Do you pay taxes when you receive a gift?
- 18. Start a blog
- How do I get my business credit score?
- How to have more taxes taken out of your paycheck
- Rebook if you find a cheaper price
- 15. Create custom clothing
- 5. Dine and dance at Disney’s BoardWalk
- 8. Negotiate the best price
- Renew your U.S. passport now
- What’s a spousal Roth IRA?
- What are the best dividend stocks?
- Fleet fuel cards: benefits and drawbacks
- 2024 state income tax rates and brackets
- The bottom line
- AndroMoney
- Transfer partners
- 2. Air New Zealand Airpoints
- 10. Search for regular jobs for kids
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Elevate your credit scores
- Enhanced airport experience
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- Stocks
- 12. Create a podcast
- Don't just forget about it
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- Use smart power strips
- Private REITs
- Part-year resident status rules
- Work with a professional
- Appendix: How the math works in our examples
- Dividend yield
- 9. Jersey City, New Jersey
- The bottom line
- Home equity loan
- Blue Cash Preferred® Card from American Express
- Apple tag trackers recapped
- 3. Use tax deductions
- 7. Don’t neglect your finances
- Maximum debt-to-income ratios
- Best insurance company for accident forgiveness: Geico
- Final thoughts on the best Hilton hotels in Hawaii
- 8. You can status match
- 11. “Superbosses” by Sydney Finkelstein
- Traveling with a maiden name on passport recapped
- USAA vs. competitors
- Types of CD strategies
- More eligible properties could help
- Frequently asked questions about estimated tax payments
- Average cost of homeowners insurance in New Mexico by city
- Example money market account APYs at select institutions
- The edge of your seat
- 3. Funds that track specific sectors
- 6. OfferUp
- Consider using a retirement account
- Consequences of a child tax credit error
- Empower Personal Dashboard, for tracking wealth and spending
- What’s a good down payment for a house?
- Best insurance company for accident forgiveness: Geico
- Home shopping tips
- Apply for PSLF forgiveness
- Schedule SE
- How much money can you make on YouTube?
- 19. Host a webinar
- Is Global Entry worth it?
- USAA vs. State Farm home insurance
- Fees to select a seat ahead of time
- How should investors use the Buffett indicator?
- Use Points Advance
- 9. The Roundtree, Amagansett
- Can you pay estimated taxes at any time?
- 3. Frontier Miles
- Trust Wallet: 4.3 out of 5 stars
- 6. PNC Bank
- A closer look at these companies
- Government assistance
- Should you refinance your business loan?
- 13. Become a rideshare or delivery driver
- 13. Antique or thrift store
- August
- 9. Choose a real estate agent carefully
- As a last resort, contact your member of Congress
- How much personal property insurance do you need?
- FDIC insurance limits and ownership categories
- How much is auto insurance based on your driving record?
- 4. Contribute to a tax-advantaged account
- The bottom line
- Is the gift tax deductible?
- VA loans
- How to have less taxes taken out of your paycheck
- 5. Enter a debt management plan
- Comparing personal lines of credit to other financing options
- 16. Sell vintage clothing online
- Why did Signature Bank fail?
- How to prevent plumbing problems
- Benefits
- 4. Call in a pro
- Selling to Opendoor
- Grant programs
- Bonds
- If you see errors, dispute them
- Cheapest auto insurance for poor credit
- LLC tax forms and deadlines
- Learn more about cash value life insurance
- Maui vs. Oahu, recapped
- Capital One Savor Cash Rewards Credit Card*
- 20. Find opportunities to share your voice
- Be flexible with destination, airport and dates
- 4. Set a budget for your stock market investment
- Earning Loyalty Points through other partners
- Best cities for first-time homebuyers
- The synthetic long
- 1Money
- 4. InterMiles
- Delta SkyMiles Cards
- 25% discount on in-flight meals and drinks
- How to maximize your rewards
- 14. Fitness studio or gym
- Pros of investing in REIT stocks
- Nonresident status rules
- 10. Washington, D.C.
- 7. Self-publish an e-book
- Additional taxes
- Home equity line of credit
- Dosh
- Vanguard 500 Index Fund (VFIAX)
- Next steps
- Shopify Starter: Best low-cost e-commerce platform
- How much is the gift tax rate?
- FHA loans
- 5. Keep your expenses in check
- Africa
- Complaint resolution delayed: 0 – 5 points
- If you’re considering Emerald Club
- 12. “Mastering the VC Game” by Jeffrey Bussgang
- Other car insurance types
- 17. Begin niche blogging
- 9. Maximize trade-in value, if applicable
- Roth IRA vs. traditional IRA: What's the difference?
- Check for leaks
- Drawbacks
- Past years' state tax rates
- What happens if I forget to pay my quarterly taxes?
- Ways kid creators can earn online
- The cheapest home insurance in New Mexico
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 14. Tutor
- State child tax credits
- 10. Narrow down your ideal type of house and neighborhood
- Dividend payout ratio
- What homeowners insurance won't cover
- How to get a passport in 24 hours
- How much is auto insurance after an at-fault accident?
- 21. Serve as an expert media source
- How to use a W-4 to owe nothing on a tax return
- Best for those who pack expensive equipment: Travel Insured International
- 6. Sail on the Friendship Launch boats
- 6. Tweak your W-4
- What are CD rates right now?
- Are conventional 97 LTV loans better than FHA?
- What's the best Vanguard mutual fund?
- Other types of tax preparers
- 5. Qatar Airways Privilege Club
- MetaMask: 4.0 out of 5 stars
- Listing with Opendoor
- The difference between interest rate and APY
- Trip protection
- Mutual funds
- Vanguard Total Stock Market Index Fund (VTSAX)
- 5. Defer your bonus
- State Farm vs. competitors
- What’s next?
- Middle East
- USAA vs. Allstate home insurance
- Keep drains moving
- Fuel card vs. business gas credit card
- Purchase Marriott Bonvoy Moments
- Is getting a HELOC a good idea?
- Should you invest in AI stocks?
- The Hilton Honors and SLH exclusive partnership recapped
- Hilton Honors Cards
- 7. TD Bank
- Learn about the best life insurance companies
- Airport lounge access
- Online financing platforms
- 6. Price your services
- Find the right business loan
- 4. Fixed-income and dividend-yielding investments
- 7. Poshmark
- 15. Tutoring business
- Cons of investing in REIT stocks
- September
- When to file sole proprietorship taxes
- Bonuses that vary with spending
- Earn an audience, and earn more in the long run
- Average mortgage rates
- 22. Maintain your Yelp page
- State Farm vs. Allstate home insurance
- 18. Become an e-book writer
- What’s happening with Silvergate Capital Corp.?
- What activity doesn't earn Loyalty Points?
- Fees for in-flight refreshments
- Dates that could move markets this month
- How can I make paying quarterly taxes easier?
- Wells Fargo's reputation
- If you want to leverage Marriott’s transfer partners ...
- 11. Monetize your social media accounts
- 2. Are you seeking investment or looking for business financing?
- What is the $500 credit for other dependents (ODC)?
- Are dividends taxed?
- Cash-out refinance
- Vanguard Total Bond Market Index Fund (VBTLX)
- Spirit Airlines fee bundles
- Asia
- Time in business: 0 – 10 points
- 13. “Creativity, Inc.: Overcoming the Unseen Forces That Stand in the Way of True Inspiration” by Ed Catmull and Amy Wallace
- 7. Take in views on the Skyliner
- 10. Make the purchase
- Economic events
- Pros
- If you're ready to start a budget
- What to know about New Mexico homeowners insurance
- What type of financing for small businesses should you use?
- Cheapest for 30-year-old drivers
- Exchange-traded funds
- 15. Rent out items
- 16. Ice cream shop
- LLC tax tips for business owners
- Our methodology
- 8. Get advertising revenue from your blog or YouTube channel
- One-time IDR account adjustment for PSLF borrowers
- How to make a personal property claim
- Common gift tax return triggers
- 23. Target industry-specific review sites
- State Farm vs. USAA home insurance
- What happened to Credit Suisse?
- Other details you should know about Trust Wallet
- What are promotional CD rates?
- Act quickly
- The worst way to use your Marriott Bonvoy points
- Which card should you get?
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- Does homeowners insurance cover ... ?
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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 |
---|---|---|---|---|
Apr 2024 | $301.80 | $66.67 | $368.47 | $15,698.20 |
May 2024 | $303.06 | $65.41 | $368.47 | $15,395.14 |
Jun 2024 | $304.32 | $64.15 | $368.47 | $15,090.82 |
Jul 2024 | $305.59 | $62.88 | $368.47 | $14,785.23 |
Aug 2024 | $306.86 | $61.61 | $368.47 | $14,478.36 |
Sep 2024 | $308.14 | $60.33 | $368.47 | $14,170.22 |
Oct 2024 | $309.43 | $59.04 | $368.47 | $13,860.79 |
Nov 2024 | $310.72 | $57.75 | $368.47 | $13,550.08 |
Dec 2024 | $312.01 | $56.46 | $368.47 | $13,238.07 |
Jan 2025 | $313.31 | $55.16 | $368.47 | $12,924.76 |
Feb 2025 | $314.62 | $53.85 | $368.47 | $12,610.14 |
Mar 2025 | $315.93 | $52.54 | $368.47 | $12,294.22 |
Apr 2025 | $317.24 | $51.23 | $368.47 | $11,976.97 |
May 2025 | $318.56 | $49.90 | $368.47 | $11,658.41 |
Jun 2025 | $319.89 | $48.58 | $368.47 | $11,338.52 |
Jul 2025 | $321.22 | $47.24 | $368.47 | $11,017.29 |
Aug 2025 | $322.56 | $45.91 | $368.47 | $10,694.73 |
Sep 2025 | $323.91 | $44.56 | $368.47 | $10,370.82 |
Oct 2025 | $325.26 | $43.21 | $368.47 | $10,045.56 |
Nov 2025 | $326.61 | $41.86 | $368.47 | $9,718.95 |
Dec 2025 | $327.97 | $40.50 | $368.47 | $9,390.98 |
Jan 2026 | $329.34 | $39.13 | $368.47 | $9,061.64 |
Feb 2026 | $330.71 | $37.76 | $368.47 | $8,730.93 |
Mar 2026 | $332.09 | $36.38 | $368.47 | $8,398.84 |
Apr 2026 | $333.47 | $35.00 | $368.47 | $8,065.36 |
May 2026 | $334.86 | $33.61 | $368.47 | $7,730.50 |
Jun 2026 | $336.26 | $32.21 | $368.47 | $7,394.24 |
Jul 2026 | $337.66 | $30.81 | $368.47 | $7,056.58 |
Aug 2026 | $339.07 | $29.40 | $368.47 | $6,717.52 |
Sep 2026 | $340.48 | $27.99 | $368.47 | $6,377.04 |
Oct 2026 | $341.90 | $26.57 | $368.47 | $6,035.14 |
Nov 2026 | $343.32 | $25.15 | $368.47 | $5,691.82 |
Dec 2026 | $344.75 | $23.72 | $368.47 | $5,347.07 |
Jan 2027 | $346.19 | $22.28 | $368.47 | $5,000.88 |
Feb 2027 | $347.63 | $20.84 | $368.47 | $4,653.24 |
Mar 2027 | $349.08 | $19.39 | $368.47 | $4,304.16 |
Apr 2027 | $350.53 | $17.93 | $368.47 | $3,953.63 |
May 2027 | $352.00 | $16.47 | $368.47 | $3,601.63 |
Jun 2027 | $353.46 | $15.01 | $368.47 | $3,248.17 |
Jul 2027 | $354.93 | $13.53 | $368.47 | $2,893.24 |
Aug 2027 | $356.41 | $12.06 | $368.47 | $2,536.82 |
Sep 2027 | $357.90 | $10.57 | $368.47 | $2,178.93 |
Oct 2027 | $359.39 | $9.08 | $368.47 | $1,819.54 |
Nov 2027 | $360.89 | $7.58 | $368.47 | $1,458.65 |
Dec 2027 | $362.39 | $6.08 | $368.47 | $1,096.26 |
Jan 2028 | $363.90 | $4.57 | $368.47 | $732.36 |
Feb 2028 | $365.42 | $3.05 | $368.47 | $366.94 |
Mar 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.