10 steps to buy a car the NerdWallet way
Dividend definition Life insurance buying guide Key takeaways: What is a budget planner? What if I can't pay my taxes? What is mortgage pre-qualification? What is a rollover IRA? Still deciding on the right carrier? Compare Medigap plans The parts of Medicare Still deciding on the right carrier? Compare Medigap plans 6 steps to opening a Roth IRA What is a W-4? Shopping for Medicare plans? We have you covered. How to complete the FAFSA if: What is a charitable donation? Compare types of bank accounts About UnitedHealthcare Compare Medicare Advantage providers Find the right Medicare Advantage plan What is a bond? See CD rates by term and type Business insurance ratings methodology Find the right Medicare Supplement Insurance plan What is an overdraft? What is Upwork? About Aetna Key takeaways See how to get your business started quickly Work on your credit score Consider different cards Apply for a secured card Wait it out Monitor the market What is a spot Bitcoin ETF? How to maximize your rewards What are dividend stocks? Inheritance tax definition Stocks What is a cash-back app? Takeaways From 'Get Smart With Money' VA loan eligibility How much emergency fund should I have? Hilton points expiration details Best-performing gold ETFs How much are Allegiant points worth? What is passive income? Investing money is personal About Progressive home insurance Good credit utilization follows the 30% rule ¿Qué es una tarjeta de débito prepagada? Determining how much mortgage I can afford Parts of a Check 1. Soak up some sun on the beach Still deciding on the right carrier? Compare Medicare Advantage plans Still deciding on the right carrier? Compare Medicare Advantage plans Find a cheaper credit card processor What are Vanguard index funds? Share certificates: Credit union version of CDs Non-QM loans: flexibility at a cost 7 of the best apps to make money What is Early Warning Services? What is an SBA line of credit? What is stagflation? What is a SIMPLE IRA? Georgia state income tax rates and tax brackets Capital gains tax on stocks: Do you have to pay? Microsoft Office Excel budget templates United fare classes: The differences 1. Give yourself a financial checkup Financial assistance programs in each state What is cryptocurrency? Preparing to buy tips Money market account vs. CD: The difference Pros How to get paid on YouTube What is the average cost of groceries per month? What does APY mean? 1. When your Bitcoin is taxed depends on how you got it How to pass a rental credit check What is a down payment? What is forex trading? Know where your credit score stands What is an overdraft fee? Is Upwork a legit way to make money? Why buying miles is generally a bad idea What is Audi on Demand? Best stocks by one-year performance More ways to use the home equity line of credit calculator Frugal food tips What is the child tax credit? Define ‘fair’ January 1. Set your budget Term life vs. whole life: Overview Create a budget plan that works for you The best car insurance How to transfer Apple Cash to a bank account The best budget apps Types of crypto wallets The best cheap car insurance How to redeem a Spirit Airlines voucher What is a resort fee? What is a HELOC? Finding the cheapest full coverage car insurance What is flood insurance? California state income tax brackets and rates Understand your legal rights Rates are tied to credit, not equity 1. Emotion management is key to money management 1. Get help with utility bills and groceries Where they’re based and where they fly If you signed up for Medicare or Social Security, your card will be mailed When are you considered a first-time home buyer? Discounts for smart-home devices Can you cancel your Frontier Airlines flight? Minimum wage over time Best banks and credit unions 1. Start saving early What is the typical down payment on a house? 'File and suspend' loophole About Fort Lauderdale airport lounges How do CDs work? What is zero-based budgeting? What is 100% credit utilization? What does professional liability insurance cover? Step 1: Take inventory of your skills 1. Your information 1. Backup camera 2023 Arizona state income tax rates and tax brackets Emergency contraception: Avoiding pregnancy after unprotected sex Who buys a house with cash? How Free File works (ideally) Most profitable small businesses Super Micro Computer Inc. (SMCI) NVIDIA Corp (NVDA) Constellation Energy Corp (CEG) 4 easy ways to start investing with little money Options for passing on credit card fees to customers How to budget money Emirates' cancellation policy Best ways to consolidate credit card debt 1. Take a deep breath Payment information How to use the pre-qualification calculator When do I need to buy insurance for my new car? 1. Coverage is essentially lifelong GA income tax rates: Single filers Tell your insurer when other drivers are involved Best cash-back apps of 2023 What are the three credit bureaus? How do I find a local IRS office near me? Don’t file a paper return or ask for a paper check Winner for most options: Delta 4 common check fraud scams Late winter and early spring How does QuickBooks Self-Employed work? Are charitable donations tax-deductible? 17 passive income ideas for 2024 1. Earn with ads as a YouTube Partner Program member UnitedHealthcare Medicare Advantage pros and cons How the spousal benefits loophole worked What is a good APR for a credit card? International roaming plans: postpaid Are CD rates going up? Know your credit Insurer complaints methodology How does mortgage insurance work? Best Medicare Supplement Insurance companies The Wells Fargo overdraft fee Passport photo makeup allowances What is an EIN? When an EIN is required for sole props and LLCs How to downgrade a Chase card American Family How to invest in stocks in 6 steps Top 11 spot Bitcoin ETFs by fee Wells Fargo and the CFPB Term life insurance Share certificates vs. share accounts The best money-making apps Summary of cash advance apps What this section tells you Options for an old 401(k) Is inheritance taxable? How to start a landscaping business in 5 steps How common is credit card fraud? What's the difference between a HELOC and a home equity loan? Do you pay taxes on stocks you don't sell? Cheap full coverage auto insurance companies What is a flexible spending account, or FSA? Compare Medicare Supplement plans Chick-fil-A overview How to make money online When do Hilton points expire? At a glance How much do Instagram influencers make? What is a business credit score? The best term life insurance companies in April 2024 What are puts and calls? What is a small business financial advisor and what do they do? Know what to expect when applying to rent What are gold ETFs? Alliant Credit Union: Best credit union Award types Itemized deductions, definition What does this value mean? What mortgage terms are best for me? Why does greenwashing matter? The best hotel chains with two-bedroom suites Annual fee Easier comparisons could lead to savings The cost of mistakes Aetna Medicare Advantage pros and cons 2. Check number Transaction types Breakdown of central air costs The case for secondhand gifts 1. There are two versions of the card 28 ways to save money How does Audi on demand work? Credit cards are safer to carry and use At a glance Credit card surcharging New York Life insurance 20 high-dividend stocks How to buy a house with cash Best life insurance for children in April 2024 1. Ibotta The best whole life insurance companies of April 2024 What does Early Warning Services do? The role and tools of the Federal Reserve Types of SBA CAPLines Are we experiencing stagflation now? GA income tax rates: Married filing jointly or head of household What is IRS Form 944? 2. Money is a tool to help you create the life you desire 1. Pick up freelance work online 2. Find money for child care 1. Figure out if you are eligible About these resources What is liquid net worth? Replace a lost, stolen or damaged Medicare card Investment-based passive income ideas When to choose a money market account over a CD Pros How spousal benefits work now Where Progressive stands out Where to buy Treasury bonds, notes or bills ¿Para quiénes son? 529 plan rules How to get Upwork jobs Who needs to get an EIN? Step 2: Focus on monetizable skills and ideas 2. Blind spot warning and cross-traffic alert Prepare un presupuesto What Airbnb cleaning fees cost Domestic flights What is a life insurance policy? What is a mature CD’s grace period? 2. Take a surfing lesson Are these the best stocks to buy now? Median income by state: 2022 How much is the child tax credit worth? What are dividend stocks and why buy them? Cheap car insurance Understand the budgeting process NerdWallet's car insurance estimator 1. Roll your debts onto a balance transfer credit card 2. File your tax return on time YNAB, for hands-on zero-based budgeting MassMutual life insurance SIMPLE IRA vs. traditional IRA Google Sheets budget templates Before you dispute a credit card charge How to choose the best crypto wallet How to fill out a W-4 Carfax may offer more details Steps for filling out the FAFSA if you have a deceased parent Ally Bank: Best bank and best CDs 2. Decide how much home you can afford Median down payment on a house (in dollars) What should my monthly grocery budget be? What bodily injury liability covers T-Mobile How to calculate your credit utilization ratio New York state income tax rates 1. 529 plans are state-sponsored, but you can pick a plan from any state Dispute errors with the credit bureaus Do you need to put 20% down on a house? PMI vs. MIP Understanding forex trading Tips for wearing makeup in a passport photo Are fees charged for every overdraft I make? 1. Chase Ultimate Rewards® Pros When it could make sense to buy them Do I have to pay Arizona state income tax? Pre-installation evaluation: $250 for a 2,000 square foot home Over-the-counter medication 1. Food trucks What to know about cash advance apps Frugal shopping tips Child tax credit 2023 (taxes filed in 2024) 1. Retirement plans for retirement goals Why travelers will prefer the Chase Sapphire Preferred® Card Best affordable homeowners insurance in Pennsylvania: Erie How we ranked the top life insurers 1. Brigit: Best for budgeting tools How to transfer a 401(k) to IRA Does a partial payment affect your credit score? 2. Cash value growth is minimal Pros of using a real estate agent network GA income tax rates: Married filing separately Tell your insurer when serious car damage or injuries could be lurking Chick-fil-A pros Fetch Rewards How to apply for a VA loan Do I need an appointment to get help at an IRS office? How many Instagram followers do you need to make money? State minimum wages in 2024 How tax-deductible donations work Cons Divorce is an exception to the rule How to evaluate credit card APRs Types of bonds From a broker or a bank How much money do I need to buy a house? What is greenwashing in banking? Hilton Rewards rates Wells Fargo overdraft fees Auto loan origination by credit score Your skin tone must look natural Setup up a robust profile 3. The date Who needs life insurance? The cost of not filing for free Ask your kids what they think 1. Decide how you want to invest in the stock market February 2. Shop for a loan How do Vanguard index funds work? Checking and savings features Whole life insurance How we ranked the top life insurers Account summary What information does Early Warning collect? Is there a federal inheritance tax? Bonds How we found the best cheap auto insurance SIMPLE IRA vs. 401(k) What's the difference between a HELOC and a cash-out refinance? Which Medicare Supplement plan has the highest coverage? Loans are funded fast Takeaways From 'How to Get Rich' Where to stash your emergency fund How do I see when my Hilton points expire? Step 1: Enter your personal information Make sure your numbers match 4 steps to spot a fake check and avoid trouble Why do people invest in cryptocurrencies? Holiday weekends Charles Schwab: Best for ATM access 1. Donate to a qualifying organization Elite status 1. Dividend stocks Follow USDA food plans Verizon How do Free Spirit points compare with other airline loyalty miles? How to invest money Where Progressive falls short Zero-based budgeting example Funciones What isn’t covered by professional liability insurance? PMI for conventional mortgages Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance Cons Benefits of getting an EIN for sole proprietors and LLCs Pricing transparency Benefits to downgrading a Chase card 1. If you need to top up an award Decida qué es lo que necesita Prescription medication Biden's student loan forgiveness 'plan B' would be more targeted 3. Peruse the pier 7 best stocks to buy now, according to analysts More perks and rewards toward travel Cheap auto insurance from large companies New York Life insurance policies Investing for income: Dividend stocks vs. dividend funds Mortgage payoff calculator help What this section tells you What’s behind the pre-qualification calculation? 1. Choose a rollover IRA account type 1. Decide what services you want to offer and whether you want to rent or buy equipment How to get auto insurance before buying a car How to set up a crypto wallet Who needs to file Form 944 Dynamic pricing is all around you How are stocks taxed? Do you need an FSA? What does flood insurance cover? 8 best hot wallets 3. Recover unclaimed money 2. Identify the right mortgage Exactly what are liquid assets? Medicare Advantage enrollees get a separate card How are business credit scores calculated? Who offers first-time home buyer assistance? Who should hire a small business financial advisor? What you should know about free credit scores Pricing 3. Check and polish your credit When to choose a CD over a money market account Terminal 1: United Club lounge 1. Give your money a goal CD rate trends 2. Two factors determine your Bitcoin tax rate NY state income tax: Single and married filing separately How landlords and property managers check credit Current forex trading rates Education, not advice 4. The recipient's name 3. Bluetooth connectivity Ductwork and design: $500 to $7,500 Your 3 choices during the grace period Investors and iBuyers vs. home shoppers Child tax credit 2024 (taxes filed in 2025) Credit cards earn easy rewards Why do credit unions call it a share certificate? 3. Pay what you can right away What’s important for consumers to know about Early Warning Services? 3. Premiums are cheaper than whole life MassMutual life insurance policies Hot wallet Rates and terms for an SBA line of credit SIMPLE IRA contribution limits for 2024 2024 Georgia state income tax changes Chick-fil-A cons 3. Think about what makes you happy 2. Decide what type of investor you are What data do the credit bureaus maintain? More alternatives to payday loans How to monetize your Instagram with fewer followers 1. Inspect the check What are the Frontier Airlines flight cancellation fees? Does raising the minimum wage cause inflation? How to invest in gold ETFs Chase: Best for sign-up bonuses and best for branch access Types of itemized deductions UHC Medicare star ratings Bodily injury insurance coverage limits Now that the old loophole doesn’t work, what are my options? U.S. Treasury bonds How Progressive home insurance works Ways to deal with overdrafts 1. Separate your business and personal finances Ensuring timely and safe access 1. Withdraw your CD funds and transfer them into a different account 2. Car wash services Cash discounting How to estimate car insurance costs Repayment terms may be interest-only Transfer Apple Cash to a debit card instantly How severely is credit card fraud punished? Short-term capital gains tax NerdWallet’s budget planner Building coverage VA loan qualifications: credit, debt and income Conventional or government-backed? What kind of help can I get at my local IRS office? Step 2: Account for multiple jobs Allstate United Club Lounge How to convert Free Spirit points to dollars Use a credit utilization calculator NY state income tax: Married filing jointly or qualifying widow(er) 2. The account holder maintains ownership of the funds Minimum down payment requirements Who needs professional liability insurance? Step 3: Research the top places to make money online 4. Head-up display Am I a resident for Arizona state income tax purposes? 4. Get adventurous on the water Requirements: Who qualifies for the child tax credit? 2. Low-cost brokerage accounts for (nonretirement) financial goals Dividend vs. growth stocks Are Vanguard index funds a good investment? What is a Bitcoin strategy ETF? Use a budget planner Best life insurance for children: Pros and cons 2. Rakuten Inheritance taxes vs. estate taxes Cons of using a real estate agent network Why you can trust NerdWallet When did stagflation last occur? What's different today? When there is no need to file a car insurance claim What Medicare Supplement plan is most popular? Changes and cancellations Properly report child tax credit and stimulus payments Step 1: Find a gold ETF Discover® Bank: Best online banking experience Mortgage selection tips When to choose a savings account instead How to use automatic bill pay wisely What to expect from credit cards with low APRs International roaming: prepaid How to calculate APY CD rate forecast: 2024 What mortgage can I afford? Transfer partners FHA mortgage insurance premium Optional Wells Fargo overdraft services and associated fees Auto loan interest rates by credit score Use products with no or low sun protection factor (SPF) Overdraft coverage Aetna Medicare star ratings Overall cost 2. If the price of a ticket is more expensive than buying miles Utilice un buscador de vehículos en línea 2. Withdraw your funds and deposit them into a different CD March 3. Determine other ownership costs Key differences between term life and whole life 2. Apply for a credit card consolidation loan Best whole life insurance policies for 202 4 Get a secured credit card Rewards summary How much is new car insurance? Do I have to pay Georgia state income tax? What to know about Spirit Reservation Credits Is a HELOC a good idea? Long-term capital gains tax How to use a health care FSA 2. Test websites and apps Credit requirements 4. Get down payment assistance for a home Fixed or adjustable rate? AutoCheck is better for the price conscious Airline rewards programs First-time home buyer benefits and programs Amica Do all workers earn at least the minimum wage? Benefits 4. Explore mortgage options Median down payment by age Medical expense deduction Use the 50/30/20 rule to budget for groceries Google Fi Wireless Corporate bonds What’s going on with layoffs in tech? 3. The IRS has the paperwork you’ll need It’s not what you can borrow, it’s what you can afford NY state income tax: Head of household 3. Qualified distribution rules are strict Landlord associations How to read a forex quote 2. U.S. Bank rewards Contact potential clients with “Connects” Be realistic about how much you can make 5. The payment amount Limitations on downgrading a Chase card 5. Dash cam Amica Types of residency statuses in Arizona International flights 2. You'll get exclusive perks and benefits How to find the best stocks to buy now Median income by city: 2021 Get a secured credit card Frugal entertainment tips Think hard about asking kids to share Travel benefits and protections Cheap car insurance from midsize companies How do share certificates work? Best homeowners insurance in Pennsylvania for coverage: Openly and Erie Reasons to buy a house with cash How to pay off a mortgage early 4. Look into a payment plan with the IRS 2. Empower: Best for fast cash What this section tells you How the federal funds rate impacts prices Las Vegas Strip hotels without resort fees How much does a Chick-fil-A franchise cost? Put your dispute in writing Coupons.com Crypto.com DeFi Wallet: 4.8 out of 5 stars Winner for elite status and rewards: Alaska 5 ways to make money on Instagram Do personal credit scores affect business credit scores? Best term life insurance policies for 2024 Benefits of a small business financial advisor How to cancel your Frontier Airlines flight All year Swipe left for business Step 2: Analyze the ETF SoFi: Best for checking account overall and best checking account for overdraft fee avoidance Earn points with the Allegiant World Mastercard® credit card 2. Dividend index funds and exchange-traded funds When is the best time to book with Free Spirit points? State availability Best car insurance companies: Our winners VA and USDA loans: 0% down payment Overdraft transfer protection service How to apply for an employer identification number 2. Set your business up for growth The type of central air unit: $600 to $24,000 How to buy a life insurance policy 3. Let your bank renew your CD How to book an Audi on Demand 3. Auto repair How to claim the child tax credit How are dividends paid out? Try a simple budgeting plan Top 8 Bitcoin strategy ETFs by fee What is the CFPB? Cost of term life vs. whole life You don't want to pay interest Best car insurance companies: Our winners What’s the difference between pre-qualification and preapproval? What should you do if you were denied a bank account because of an Early Warning report? 4. Coverage can be a good fit for seniors How to qualify for an SBA line of credit Where to find Form 944 and how to file The cheapest best full coverage car insurance companies Contents coverage California income tax deadlines and extensions Where do the credit reporting bureaus get their data? Mortgage term? How to prepare for your IRS appointment Step 3: Claim dependents, including children 1. Get sponsored 2. Ask yourself why you received the check How you can protect yourself from scams Why is Bitcoin still popular? Boost How to start a zero-based budget Top 5 Treasury ETFs by AUM Tenant screening services Hyatt Sign-up bonus Best for member satisfaction: State Farm Medicare Supplement Insurance Where to get information 6. Memo line Card readers and apps 6. Tunes, directions and apps Medication abortion: Ending a pregnancy without surgery Higher Education Act justifies plan B 5. Spot wildlife from the water Taxpayers likely don’t know about Free File options Payment processors with solutions for passing on credit card fees How much does it cost to buy Vanguard index fund shares? Emirates' 24-hour cancellation policy Factors that affect the cost of car insurance Borrowers who may consider a non-QM loan Transfer Apple Cash in 1-3 business days 2. Choose a rollover IRA provider Comparing stocks and bonds Best Western Plus Casino Royale-Center Strip How technology enables even more dynamic pricing The Federal Trade Commission’s budget worksheet Medicare Supplement Insurance plan comparison chart Pressure to overspend Does basic economy get a carry-on on United? 4. Homeownership doesn't have to be a financial goal 3. Choose how much you want to invest How to calculate your liquid net worth Chubb Save time and energy UFB Direct: Best savings account 2. Document your charitable contributions Property tax deduction Terminal 2: Delta Sky Club 2. Decide how much help you want Is per-card or overall utilization more important? 4 ways to identify greenwashing in banking How much is professional liability insurance? Go easy on the contouring Opting out of coverage Pruebe los vehículos Resident status rules Ongoing perks 2. Choose an investment account 4. Find the right car for you Average annual life insurance rates for women Goodbudget, for hands-on envelope budgeting MassMutual customer complaints and satisfaction DTI for VA loan Down payment? The impact of payday loans Step 4: Refine your withholdings The four options market participants and their incentives Set it and forget it mileage deductions Municipal bonds How flexible are Free Spirit points? Tarjetas prepagadas o tarjetas de crédito o débito Best insurance company overall: Travelers New York state supplemental income tax 4. Contribution limits are high 1. Read your bank’s impact reports carefully Credit bureaus Conventional mortgages: As low as 3% down payment Travel credits Fees for USDA and VA loans 7. Bank name 7. Massaging and heated seats Tips for secondhand gifting Why a cash offer may be better than a financed offer Leave a detailed letter Credit cards help you track spending 3. Index funds and ETFs How to cancel an Emirates flight Best insurance company overall: Travelers Information about your account How to protect yourself from credit card fraud Benefits of a SIMPLE IRA How are dividends taxed? How to use a dependent care FSA 3. Learn to use AI tools 5. Find tax credits for health insurance How to keep Hilton points from expiring Vio Bank: Best money market account 2. Take a cut with affiliate marketing What to expect from credit cards with high APRs Delta Sky Club Progressive home insurance coverage Take advantage of today’s CD rates Directly from the U.S. government through the TreasuryDirect website Bid and ask prices Overdraft protection transfer and overdraft line of credit 1. Make sure you’re eligible to get an EIN online 3. Legitimize your operations Point-of-sale hardware Perks that renew annually Which life insurance policy is right for me? Remember your CD’s maturity date 6. Take a trip to Kennedy Space Center Is Audi on Demand expensive? An alternative to chasing the best stocks Frugal DIY project tips Why the Chase Freedom Unlimited® could be more appealing for some Dharma Merchant Services 6 types of dividends April Allow up to 50% of your income for needs Average annual life insurance rates for men Where to find non-QM loans You're competing against other buyers 3. Swagbucks 5. Think twice about using credit cards or raiding your 401(k) What this section tells you States that have estate taxes, inheritance taxes or both: How much insurance do I need for a new car? 5. Death benefit and premiums are flexible Equity vs. debt Is stagflation the same as a recession? Benefits for employers What is my Georgia residency status for state income tax purposes? How to get Spirit Airlines flight credits Choose a Medicare Supplement Insurance company Zengo Wallet: 4.8 out of 5 stars VA loan down payment requirements Taxpayer Advocate Service offices Step 5: Sign and date your W-4 Which vehicle history report should you get? 3. Don’t use the money What is a good business credit score? How to qualify for first-time home buyer benefits Cincinnati Insurance Buying call options vs. buying put options Do tipped workers earn the minimum wage? How much should you spend on a mattress? Step 3: Buy the gold ETF Average down payment by state What does UnitedHealthcare Medicare Advantage cost? APR vs. APY: What’s the difference? FHA loans: As low as 3.5% down payment USDA guarantee fee Lenders look at more than a bad credit score 3. Pentagon Federal Credit Union (PenFed) Rewards Win a gig and get to work Other ways may require more patience 8-9. Routing and account number Shopping tips 3. To keep miles from expiring Haga un repaso de toda la información que haya recopilado y tome una decisión Part-year resident status rules What medication abortions cost The biggest tax software providers specialize in murk 4. Personal trainers The Bitcoin ETF price war Fines and legal actions: Wells Fargo’s recent history More credit union topics Can the entire Apple account balance be transferred? 2. Get the required business insurance, licenses and EIN How MassMutual compares to other insurers Hardware wallets Form 944 instructions: A step-by-step guide The best full coverage car insurance companies Do I have to pay California state tax? How to open a Chick-fil-A franchise in 4 steps 6. Apply for college grants 4. Select a provider to open your Roth IRA 3. Research mortgage lenders Stay at a Hilton hotel Save money How to change your Frontier Airlines flight instead Categorize expenses, simplify taxes Mortgage interest deduction Find ways to stretch your grocery budget The pros and cons of zero-based budgeting Limitaciones de las tarjetas de débito prepagadas What factors affect the amount you can borrow Marriott Preferred Rewards program makes a big difference Don’t draw on your eyebrows What does Aetna Medicare Advantage cost? Size of the AC system Don’t count on this student loan forgiveness yet Additional child tax credit Travel perks at no cost 1. Cash dividends Cheap car insurance after a speeding ticket How to invest in dividend stocks 6. Plan for next year with your W-4 Does pre-qualification affect your credit score? 3. Move the money How to apply for an SBA line of credit How can you prepare for stagflation? Benefits for employees Resident status rules How are HELOC payments calculated? More ways to take charge of your budget Flood insurance coverage beyond the NFIP RetailMeNot Can other types of data help my credit reports? Farmers What states are increasing minimum wages in 2024? 5. Research first-time home buyer assistance programs The bottom line Places with the highest median down payments (in dollars) 3. Bonds and bond index funds Premiums The pros Jumbo loans: As low as 5%-10% down payment (varies) How to find the best professional liability insurance Grace periods Integrations with accounting software Are round-trip or one-way flights cheaper if booking with points? Insurance coverage for abortion pills is uneven 3. Redemption is flexible ... Why a financed offer may be better than cash 5. Contact the seller or visit a dealership Customer experience New York Life customer complaints and satisfaction How much car insurance you need How to choose between term and whole life insurance Get a credit-builder product or a secured loan 3. EarnIn: Best for large advances Watch out for capital gains taxes State minimum car insurance requirements More about MassMutual Capital gains vs. fixed income Step 1: Gather payroll data and fill in your basic business information. When do you have to pay taxes on stocks? Determine your annual FSA contribution Step 1: Submit an online application Other ways to pay Is United’s basic economy worth it? W-4 form 2024 Dun & Bradstreet business credit scores Mattress-buying tips Drawbacks 3. Don’t miss out on tax deductions for volunteering How do bonds work? 3. Pick an investment account 4. You can write off Bitcoin losses 2. See if your bank finances fossil fuels Credit-related deal breakers Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance Debit card overdraft service How much of your fee goes to Upwork? 2. Gather the necessary information Premiums 4. Get more options as a non-U.S. entrepreneur Auto-Owners Installation and labor: $75 to $250 per hour 7. Visit the largest surf shop in the world Get a credit-builder product or a secured loan 4. Help from robo-advisors A decent base rate on all purchases 2. Stock dividends Do spot Bitcoin ETFs have custodianship risk? How to cancel an Emirates Skywards award flight 1. Find a dividend-paying stock Best homeowners insurance in Pennsylvania for consumer experience: Nationwide Can children under age 18 transfer Apple Cash to a bank account? Payments and credits ‘Long and variable lags,’ and other factors Drawbacks of SIMPLE IRA plans Part-year resident status rules Marriott's Grand Chateau Cheap full coverage insurance for different drivers When to enroll in Medicare Supplement Insurance Other ways to find help at a tax office Take surveys on Hilton's Guest Opinion Rewards Nationwide Doesn’t accommodate multiple businesses Places with the lowest median down payments (in dollars) Charitable contribution deduction Do you need bodily injury liability coverage? How did we determine our Spirit Airlines points value? Discounts How does credit utilization affect my credit score? VA funding fee Don’t apply fake lashes Step 4: Evaluate and pivot Deposit timing The problems with Airbnb cleaning fees May Leave 30% of your income for wants Choose term life if you: 3. Tap your home equity for a loan or line of credit Alternatives to non-QM loans You don't want to be at the mercy of an appraisal What this section tells you Health care FSA VA loan property requirements Why doesn’t my report show a credit score? In-flight experience Compare the best savings and money market accounts Copays, coinsurance and deductibles Important Treasury Bond Terms How can I qualify to borrow more? When are New York state income taxes due? What is a pip? What’s the best overdraft option for me? 4. If there’s a great bonus on purchased miles Finding a listing in your price range can be tough Nonresident status rules Online guides can help you obtain information and medication Grace periods at some banks 5. Newborn and post-pregnancy services Managing expectations Frugal home expenses tips 3. Dividend reinvestment programs (DRIPs) 4. Fiverr What else to know about Apple Cash How to increase your pre-qualification amount Before you buy Nonresident status rules What doesn’t flood insurance cover? What is California's standard deduction? Watch out for scams Donate Hilton points Winner of the sky: Delta Is there an income limit to qualify as a first-time home buyer? State Farm Help execute your business plan How does cryptocurrency work? Difficult to scale 4. Keep the deadline in mind 3. Land a brand deal and make sponsored content Qualifying for a better credit card APR How compound interest works The cons Chubb Making the choice Copays, coinsurance and deductibles Contract periods Other considerations 4. ... But point values vary How much life insurance should I buy? Should you accept an all-cash offer? When to expect your child tax credit refund Which card (or cards) should you get? CardX More about New York Life Choose whole life if you: Is Apple Cash FDIC-insured? Taxes for rollover IRAs: 2 rules to know 3 ways to avoid inheritance tax Cheap full coverage car insurance companies by state 4. Take surveys for money Guarda: 4.6 out of 5 stars 4. Get preapproved for a home loan How to find the 2024 W-4 4. Alert authorities to fraud Equifax business credit scores Minimum wage increases 6. Compare mortgage rates and fees 4. Real estate investment trusts (REITs) Pros of buying bonds Do I have to pay New York state income tax? How to rent an apartment if you have credit challenges Benefits of a larger down payment Choice Passport picture requirements in the U.S. 4. Barclays rewards 3. Submit your application and wait 10. Signature How sole proprietors and single-member LLCs can get an EIN Seasonal Energy Efficiency Ratio (SEER) Rating 8. Head to the park Credit cards help build credit 4. Special dividends Cheap auto insurance after an accident 6. Inspect and test-drive the car, if applicable 2. Evaluate the stock You find it hard or impossible to get a mortgage New charges 3. Get employment law liability insurance before you scale Full coverage insurance How to avoid Spirit cancellation fees Step 2: Fill in Form 944 Part 1. Find the best HELOC lender for you What is net investment income tax? Dependent care FSA Some water damage Step 2: Pass the interview Eligibility for other VA loans and grants 2. Promote your business Writing call options vs. writing put options Compare the best CD accounts Advantages of itemized deductions Terminal 3: Escape Lounge Strategies for keeping your credit utilization low Best insurance company for affordability: NJM How to avoid mortgage insurance Customer support What credit card should you use? Be prepared for your CD’s maturity What taxpayers need to know in 2022 and beyond Audi on Demand fair fueling promise What to consider before you begin investing What do the approvals mean for Bitcoin? Why some cars cost more to insure Best insurance company for affordability: NJM What this section tells you Getting the most from your pre-qualification limit What is Georgia's standard deduction? How do AI-driven algorithms work in dynamic pricing? What part of my income gets taxed by California? What else you need to know Upside 5. Gather your paperwork Why liquid assets are important Spend on a Hilton credit card Travelers Evaluate market trends What if Frontier Airlines cancels your flight? What is the median household income in the U.S.? Alternatives What percent down payment do you need for a house? How to avoid overdraft fees You may still have to clean up after yourself 5 things to know about Arizona state income tax Know if you qualify for Free File 6. Enrichment activities for children 5. Preferred dividends Commit 20% of your income to savings and debt paydown How do you buy Vanguard Index fund shares? Emirates' cancellation policy recapped Full list of the best homeowners insurance in Pennsylvania Use a co-signer 4. Varo: Best for existing bank customers EveryDollar, for simple zero-based budgeting 1. How long you have to rollover a 401(k): The 60-day rule Inverse performance Calculating taxable Social Security and Medicare wages FSA balances will expire Damage to certain items and parts of your home Disability housing grants Are credit scores from all major bureaus the same? 5. Submit your application How are cryptocurrencies created? QuickBooks Online: Robust features, scalable plans Claiming tax-deductible donations on your tax return Escape Lounge Cons of buying bonds Consumer experience 5. Failure to report Bitcoin can be costly How much should you put down on a house? The Hartford Best for extra benefits: Anthem Medicare Supplement Insurance How to avoid Wells Fargo overdraft fees: Grace period and buffer 3 tips to control central air conditioning installation costs 9. Visit a local museum Does Audi on Demand provide insurance? Use a co-signer 2024 child tax credit news update 3. Learn the difference between investing in stocks and funds June How to contact New York Life 3. Decide how much stock you want to buy Reasons to get a mortgage instead of buying with cash What are other ways to transfer Apple Cash? Some helpful links from the IRS Gap insurance Custodial wallet Is a SIMPLE IRA right for me? Is getting a Spirit credit worth it? You can use credit card benefits to travel in basic economy Exodus: 4.5 out of 5 stars Do I have to update my W-4 every year? Experian business credit scores USAA Compare the best checking accounts 4. Sell some merch Is APY variable? Wyndham How to do well on Upwork Do you ever need to change your EIN? Country Financial 1. Examine your cooling needs Access Free File only through the IRS website When not to use a credit card 6. Dividend funds Alternatives to term and whole life insurance You'll come out ahead by investing the money Interest charges 2. Taxes are withheld Travelodge by Wyndham Las Vegas Center Strip How to pay lower taxes when selling stocks Cheap full coverage auto insurance for drivers with an accident or DUI The bottom line Investment and retirement planning 7. Gather your loan paperwork Low-down-payment mortgages Disadvantages of itemized deductions When did all of the tech layoffs start? What is New York state's standard deduction? Problems with tenant background checks Understanding forex lot sizes 5. American Express Membership Rewards You're going to get "graded" as a guest You and your things 7. Determine which warranties are right for you 4. Borrow from your 401(k) 5. Upwork What this section tells you 1. Think long term versus short term Most of your basement Am I a resident for California state tax purposes? Step 3: Review their franchise agreement 5. Make money from your blog with affiliate links Native American Direct Loan Wave: Free service, custom invoices 5. Money market funds Additional benefits How much bodily injury liability coverage do you need? See if zero-based budgeting is right for you 3. Check for external certifications — or the lack of them Additional Aetna benefits 2. Time it right 5. You'll be eligible for a sign-up bonus How much do life insurance policies cost? Know what to expect when you file your state return 7. Mobile apps and entertainment for children National Processing How much does homeowners insurance cost in Pennsylvania? Can I transfer Apple Daily Cash money to my bank account? Become an authorized user How long does it take to get pre-qualified for a mortgage? 4. Develop a marketing plan and decide on prices What's the tax filing deadline for my Georgia state income tax bill? Resident status rules 6. Pick your investments How to improve your liquid net worth Transfer Hilton points from AmEx Why insurance companies reward smart-home devices Why are there so many kinds of cryptocurrency? Compare the best banks, credit unions and cash management accounts Are bonds a good investment? biBERK Glossary of overdraft terms Is Upwork the right freelance marketplace for you? The bottom line Become an authorized user How to evaluate dividends Cheapest car insurance after a DUI How to save on car insurance What’s the future of dynamic pricing? 2. Look into tax-loss harvesting Coinbase Wallet: 4.4 out of 5 stars How can I check my credit reports? How to adjust your Form W-4 Why do I need a business credit score? Succession planning Other options for getting your money back 5. Offer memberships 4. Open your account What’s next? Other considerations to determine your down payment One way to reduce Airbnb cleaning fees 3. Look for equipment rebates and tax credits If you don’t qualify for Free File, tread cautiously Next steps July What are the best Vanguard index funds? What do the approvals mean for other crypto investments? Taxes Living expenses if you can’t stay at home Perks await when you fly economy with elite status Ibotta 8. Get a preapproval letter Down payment assistance programs Interest-based passive income ideas Progressive vs. competitors Am I a resident for New York state income tax purposes? 4. Investigate easy 'feel good' tactics Tips to avoid rental credit check problems How to find and book hotels with multiple room suites How to make money trading forex Can I take my own passport photo? 6. Capital One Rewards What if you lose your EIN? 1. Automate transfers 8. Shared accessories and attire How to maximize your rewards Dividend per share (DPS) Are these the best dividend stocks? 5. Dave: Best for repayment flexibility Step 4: Undergo their multi-week training program Airline credit cards 3. Sell your castoffs Compare the best bank accounts for students and kids Charitable contributions 2023 UHC Medicare Advantage plan types Progressive vs. State Farm home insurance Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance Aetna Medicare Advantage plan types How to finance central air installation Know where to turn for help How quickly could the IRS implement the child tax credit expansion? 8. Negotiate the best price You'll need the cash for other things Can you contribute to a rollover IRA? Off-Strip hotels without resort fees 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account Vehicles 6. Sell your wares on Etsy Purchase Hilton points How to have more taxes taken out of your paycheck Winner for its variety of credit cards: Delta How do I get my business credit score? Finding the right small business financial advisor Terminal 4: Priority Pass dining Hiscox Other people and their things Dividend yield Average cost of homeowners insurance in Pennsylvania by city New car replacement coverage Club Wyndham Grand Desert Part-year resident status rules Should you buy smart-home devices? Summary of the best banks and credit unions of 2024 Advantages of the standard deduction Best insurance company for accident forgiveness: Geico Using your leverage Home equity loan Consequences of a child tax credit error Best insurance company for accident forgiveness: Geico 6. OfferUp Empower Personal Dashboard, for tracking wealth and spending 5. Get your business financials in order How to track your Georgia state tax refund Step 3: Fill in Form 944 Part 2. Cheap full coverage car insurance for drivers with poor credit Trust Wallet: 4.3 out of 5 stars What if I see a mistake on my report? 6. Begin the underwriting process Home shopping tips What’s a good down payment for a house? 6. High-yield savings accounts How much money can you make on YouTube? Priority Pass discount: Kafe Kalik Resident status rules Passport picture requirements don't forbid makeup 7. Citi ThankYou Points The Hanover 2. Count your coins and bills Carbon offsets and other gray areas August 5. Enter a debt management plan Don't assume cash is better How do I find my public and private keys? 4. Call in a pro Step 5: Prepare for your grand opening How to have less taxes taken out of your paycheck 4. Earn badges through Live videos Should you try options trading? Make sure the financial advisor is a fiduciary Are cryptocurrencies financial securities, like stocks? 9. Choose a real estate agent carefully Progressive vs. Geico home insurance Support climate solutions 4. Set a budget for your stock market investment Cheapest auto insurance for poor credit Get credit for the bills you pay The risks and rewards of each Ride with Lyft 4 key things to know about bonds 5. Choose investments that match your tolerance for risk Just the car 9. Shared home improvement equipment Get credit for the bills you pay How to maximize your rewards 9. Maximize trade-in value, if applicable Vanguard 500 Index Fund (VFIAX) The cheapest homeowners insurance in Pennsylvania 6. MoneyLion: Best for existing customers How can I save on new car insurance? Is flood insurance required? Nonresident status rules Final thoughts on the different United economy fare classes Dosh 7. Self-publish an e-book Important considerations when opening a Roth IRA Third-party ratings Medigap plan types Home equity line of credit Compare top-rated life insurance companies 3. Prep for grocery shopping State child tax credits Dividend payout ratio 2 things to know about Georgia state tax Desert Rose Resort Step 4: Fill in Form 944 Part 3. MetaMask: 4.0 out of 5 stars What else do credit bureaus do? Eat with Hilton Dining Rewards How to use a W-4 to owe nothing on a tax return Choose financial advisors who charge a flat fee 10. Narrow down your ideal type of house and neighborhood 8. Bank of America® rewards Aetna third-party ratings How to get an Audi on Demand car for less Vanguard Total Stock Market Index Fund (VTSAX) Starting a landscaping business: The economics Ideal Chick-fil-A operator candidate 7. CDs AM Best Financial Strength Rating: A+ (Superior) Fort Lauderdale airport lounges recapped Progressive vs. Allstate home insurance Forex trading vs. stock trading Enroll in the Always Audi program September 7. Poshmark 5. Build a community Questions to ask Earn an audience, and earn more in the long run Part-year resident status rules AM Best Financial Strength Rating: A (Excellent) What is the $500 credit for other dependents (ODC)? Are dividends taxed? 10. Make the purchase Vanguard Total Bond Market Index Fund (VBTLX) What to know about Pennsylvania homeowners insurance Is my home at risk of flooding? Book a rental car Other factors to consider J.D. Power Ranking Cash-out refinance 10. Vacation rentals Practice good credit habits Step 5: Fill in Form 944 Part 4. How full coverage car insurance works Prior management and leadership experience 8. Get advertising revenue from your blog or YouTube channel Pros and cons of cryptocurrency Property-based passive income ideas Standard deduction vs. itemized deductions Find the best life insurance policy for you Practice good credit habits Child tax credit vs. child and dependent care credit 5. Focus on investing for the long-term Next steps Vanguard Balanced Index Fund (VBIAX) What is credit card consolidation? Flooding 7. SoLo Funds: Best for peer-to-peer cash advances Everything else California state tax credits Electrum: 2.5 out of 5 stars 7. Prepare for closing Final thoughts on Hilton points expiration Common mistakes a financial advisor can help you avoid Which one should I take? Best insurance company for having few customer complaints: American Family J.D. Power Ranking Nationwide 4. Minimize restaurant spending Best insurance company for having few customer complaints: American Family Receipt Hog W-4 calculator Delta vs. Alaska: The results Cryptocurrency pros Other ways to make money NCQA Score Range: 2.0 to 4.5 out of 5 More resources on investing The bottom line Nonresident status rules Use Audi on Demand rewards points 11. Electronics repair October Vanguard Growth Index Fund (VIGAX) PocketGuard, for a simplified budgeting snapshot How consumers can take advantage of dynamic pricing Full-time availability Overpaying yourself 11. Stick to your budget 8. Buy a rental property Personal loan How does credit card consolidation work? Alternatives for the best life insurance for kids How to get resort fees waived Step 6: Fill in Form 944 Part 5. California earned income tax credit (CalEITC) 8. Close on the home NCQA Score Range: 2.5 to 4.5 out of 5 Understanding life insurance quotes Cheapest car insurance for young drivers Vanguard Small Cap Index Fund (VSMAX) Winter storms 3 best cold wallets Cryptocurrency cons 5. Get discounts on entertainment Pay with a Visa Infinite card 6. Manage your stock portfolio Step 7: File Form 944 and make a payment to the IRS, if necessary. California young child tax credit (YCTC) 9. Become an Instagram influencer What else to know about Form W-4 Mixing your personal and business expenses 9. Rent out your own house UnitedHealthcare Medicare service area How to compare life insurance quotes Vanguard Total International Stock Index Fund (VTIAX) More about top-rated life insurance companies Check your credit scores and reports 8. Klover: Best for no-fee advances Won’t the government help? Excellent financial history 1. Has the W-4 form changed? Aetna Medicare Advantage service area Check your credit scores and reports November Should you buy stocks or bonds? When to pay the resort fee How to find cheap full coverage auto insurance California child and dependent care tax credit Not researching your business structure 12. Make the most of walk-throughs and open houses NYC income tax rates Life insurance quotes vs. rates 6. Map out major purchases 12. Academics courses OK, what's next? Is consolidating credit card debt a good idea? Be available for training Rakuten Cryptocurrency legal and tax issues 10. Get a roommate Tropical storms and tornadoes California adoption cost tax credit 2. What does it mean to be exempt from taxes? Not having a retirement plan State Farm Use a credit card with rental car collision damage waiver Best stocks for beginners 10. Monetize your Twitch channel Ledger: 5.0 out of 5 stars Alternative investment passive income ideas Best insurance company for financial strength: Auto-Owners Cheapest auto insurance for senior drivers Can I still use my credit card after debt consolidation? Best insurance company for financial strength: Auto-Owners If you’re heading to Las Vegas Comparing full coverage car insurance quotes How much flood insurance do I need? California nonrefundable renters tax credit Not researching insurance plans Home purchasing tips NYC tax rate schedule 7. Restrict online shopping 13. Language courses Chick-fil-A alternatives 13. Don’t skip the home inspections December Pros and cons of loan apps Honeydue, for budgeting with a partner Alternative options to a small business financial advisor Your decision: Is cryptocurrency a good investment? UnitedHealthcare customer service Pennsylvania department of insurance The upside down: When debt and equity roles reverse Other cash-back apps to consider Trezor: 4 out of 5 stars 3. When should I review my W-4? 11. Peer-to-peer lending Aetna c ustomer service Why you can trust NerdWallet How to track your California state refund Robo-advisors 8. Delay purchases with the 30-day rule Audi on Demand, recapped The bottom line on investing in stocks Looking for more insurance in Pennsylvania? Pros Dividends and preferred stock Panera bread Shopkick 11. Sell your photography 14. Negotiate with the seller 14. Business or marketing courses Cheapest car insurance by state How much is flood insurance? 4. Can I adjust my W-4 multiple times throughout the year? 6 things to know about New York state income tax Travelers CoinOut SafePal: 3.8 out of 5 stars Advice-only financial advisors 12. Private equity 9. Get creative with gifts Selling bonds Cons How flood insurance works California state sales tax McDonald’s Swagbucks 15. Buy adequate home insurance Best insurance company for discounts: Amica 15. Personal wellness Best insurance company for discounts: Amica How to find the best term life insurance company Do you need a small business financial advisor? Alternatives to the best whole life insurance Budgeting resources from NerdWallet How to make money from home Methodology 10. Lower your car costs Dunkin’ Credit cards do cash back too 13. Crypto staking 5 things to know about California state tax 12. Become a dog walker with Rover or Wag Look up the insurer’s financial strength How to get cheap car insurance Are cash advance apps payday lenders? USAA 11. Reduce your gas usage 16. Courses in hobbies or interests More about whole life insurance How to get flood insurance How we picked the apps The bottom line Methodology to identify the best budget apps Research the insurer’s reputation for customer service Are apps like DailyPay and Payactiv cash advance apps? 13. Sell unused gift cards Product creation passive income ideas 12. Bundle cable and internet 17. Bookkeeping and accounting Risks of getting cheap auto insurance More about top-rated life insurance companies More about term life insurance 14. Write content Best insurance company for customer satisfaction: State Farm 13. Switch your cell phone plan Best insurance company for customer satisfaction: State Farm Alternatives to cash advance apps 18. Consulting 14. List your spare bedroom on Airbnb The benefits of an auto and home insurance bundle 14. Reduce your electric bill More about top-rated life insurance companies The drawbacks of an auto and home insurance bundle 15. Publish a digital course 15. Lower your student loan payments 19. IT support How to make money offline Best insurance company for military members: USAA Best insurance company for military members: USAA 15. Sell your gently used clothes Car-related passive income ideas Should you bundle car and home insurance? 16. Cancel unnecessary subscriptions 20. Graphic design 16. Wrap your car with ads 17. Refinance your mortgage Cash advance app star rating methodology Bundling tips 16. Trade in old phones, electronics for cash 17. Rent out a parking space 18. Set savings goals 21. Social media management Other ways to save money Full list of the best car insurance companies Full list of the best car insurance companies 17. Get a babysitting gig 19. Track spending 22. Marketing copywriter Best car insurance companies by state How we chose the best home and auto insurance bundles Best car insurance companies by state 20. Pay off high-interest debt 23. Virtual assistant services 18. Rent out your car 21. Keep savings in a high-yield savings account How to start a profitable business How to find the best car insurance How to find the best car insurance 22. Create a 50/30/20 budget 1. Do your research 19. Sign up for TaskRabbit 2. Get organized and make it official 23. Shop consignment and thrift stores 20. Become a private tutor 3. Find the right financing 24. Join initiatives to get free items 21. Drive for Uber, Lyft 25. Use car sharing services 22. Make deliveries for Amazon, Uber Eats 26. Stock up on household supplies when they’re cheap 23. Find work as a housesitter 27. Enjoy community events 24. Sign up to be a mystery shopper 28. Cash in on your birthday 25. Put your drone to work Watch out for making money scams Show More 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:
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.
Total interest cost
$1,686.50 Total loan payments
$17,686.50 Payoff date The date the loan will be paid off in full. 04 / 2028 Show amortization schedule
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.
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:
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 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.
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:
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:
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:
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.
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:
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: