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- PMI calculator help
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- 13 fundamentals of personal finance
- Are the other parts of Medicare free?
- What to know about working in the gig economy
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- Amica
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- The challenge: Low inventory means slim pickings for buyers
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- What should you consider?
- The different types of life insurance underwriting
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- Do personal credit scores affect business credit scores?
- Best for extra perks: Aetna
- Best car insurance companies: Our winners
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- The type of central air unit: $600 to $24,000
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- 2. Empower: Best for fast cash
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- You decide: Is Bitcoin a good investment?
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- All year
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- A decision is made
- 2. Retirement accounts
- 2. Ask yourself why you received the check
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- When is the best time to use Alaska miles?
- How Clear works at the airport
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- 3. Choose how much you want to invest
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- Set up — or bulk up — your emergency fund
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- 4. Sell lemonade in the summer or hot cocoa in the winter
- Does basic economy get a carry-on on United?
- Where to exchange currency outside the U.S.
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- Goodbudget, for hands-on envelope budgeting
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- How do Delta eCredits work?
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- When voluntary repossession makes sense
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- 3. ... But its potential annual fee may cost you
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- 2. Bank of America: $2.34 trillion
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- The cost of debt without a balance transfer
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- Best life insurance company overall: MassMutual
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- 5. Know the bank’s timeline
- Best insurance company overall: Travelers
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
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- Is it worth claiming medical expenses on taxes? Consider your filing status
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- Types of REITs
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- Size of the AC system
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- Discontinued programs that no longer offer free admission to Disney
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- Best homeowners insurance in California for consumer experience: Nationwide
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- Bitcoin cons
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- 4. Choose the best retirement plan for you
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- Basic economy fare after grace period: Starts at $99
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- 4. Alert authorities to fraud
- 4. Keep your personal credit score high
- What are your options?
- Credit union personal loan rates
- 6. Add your minor child
- Pros of buying bonds
- Mortgage rates
- Use points to upgrade your seat
- Enrollment time limits
- Pros
- 3 ways to avoid inheritance tax
- How to get a good credit score
- Minimum wage increases
- How do I apply for a boat loan?
- Which card (or cards) should you get?
- 7. Up to $300 Equinox credit
- Courtyard Chicago Deerfield
- Keep credit utilization in mind
- 3. Submit your application and wait
- Transfer hotel points
- 6. Find local gigs through Nextdoor
- Alternatives to savings accounts
- Best low-cost business expense tracker
- How to change or cancel an EIN
- What vehicle rentals are excluded?
- Are 10-year Treasury notes a good investment?
- Reduces profit and can be expensive
- 8. Game on Twitch
- 3. Understand how your taxes are determined
- Best car insurance in New Jersey for ease of use: State Farm
- How to buy physical silver
- Brokerage accounts are taxable accounts
- Cheap auto insurance after an accident
- How to give two weeks’ notice
- First Loan FHA/VA/RD program
- Best insurance company for affordability: NJM
- 4. Special dividends
- What you’d pay out of pocket for Ozempic, Wegovy, Mounjaro or Zepbound
- How to sell your life insurance policy safely
- Insurance broker vs. independent agent
- 5. Price yourself in line with the market, if not a little lower
- Full list of best homeowners insurance in California
- Other ways to cut wire-transfer costs
- Chase Ultimate Rewards® points
- Rental car elite status
- Las Vegas Marriott and Renaissance Las Vegas Hotel
- Eligibility for other VA loans and grants
- 10. Social media management
- Cheapest life insurance companies for smokers in fair health
- 5. Your spending plans
- 6. Inspect and test-drive the car, if applicable
- 2. Promote your business
- 4. Seek help through debt relief
- 3. Tap TikTok’s ‘Creativity Program Beta’
- If you need help applying, contact your servicer
- 2020 credit card bonus categories
- IRAs
- Your strategy: Make a budget and stick to it
- For frequent or high-end travel: The Platinum Card® from American Express
- Advantages of itemized deductions
- How did we determine the value of United miles?
- 2. Review your Loan Estimates
- Discounts
- What happens if you default on a secured loan?
- 4. Klarna
- Copays, coinsurance and deductibles
- How to get a down payment for a business loan
- Switching is no longer an option for most
- Digital emphasis
- Other resources
- 4. You can get comparable club lounge perks another way
- If you’re looking to book with Booking.com
- 5. Bulgari and Byredo amenity kits, moisturizing pajamas and headphones
- More reading about ETFs
- Best insurance company for affordability: NJM
- Why did First Republic Bank fail?
- 2023 state income tax rates and brackets
- Hybrid REITs
- Perkins loans
- What if your application is denied?
- 2. You can pay your tax bill in installments.
- Using burden rate to make business decisions
- What is the Global Entry interview like?
- Consumer complaints
- Travel ID requirements for kids recapped
- How do fleet cards work?
- Why you might roll a 401(k) into an IRA
- How do I grow my home's equity?
- Why liquid assets are important
- 1099-B
- 2. Evaluate the stock
- How to reduce or avoid the federal estate tax
- 11. Create a local grocery delivery service
- Cover your card charges
- What do the approvals mean for Bitcoin?
- How to get Clear membership at no cost for you and a family member
- The 50/30/20 budget calculator
- 6. Consider alternative types of mortgages
- Step 4: Gather loan documents
- Pay bills on time
- Start taking Instacart jobs
- What is the median household income in the U.S.?
- Should I pay a car loan with a credit card?
- 5. Gather your paperwork
- Credit cards that earn Hilton Honors points
- 8. $300 SoulCycle credit
- What part of my income gets taxed by California?
- 6. Money order: Sometimes fast
- 2. Find the right location for your vending machine
- 6. High-yield checking accounts
- Use points from partner airlines
- 7. Freelance
- What else you need to know
- 6. Enrichment activities for children
- What percent down payment do you need for a house?
- Is it time for you to switch to a better plan?
- How long will the rental be covered?
- What to look for in a balance transfer card
- 9. Sell photography
- Traveling to Mexico without a passport
- Free birthday admission
- Lynnette Khalfani-Cox
- How to find AI ETFs
- 4. Capital One Travel
- Co-ops vs. condos: Which is better?
- Track your USPS renewal passport process
- Consumers are confused about what 'credit score' really means
- Why it’s the best
- Etsy
- How much should you put down on a house?
- EveryDollar, for simple zero-based budgeting
- What you can do if you have credit card debt
- Compare car insurance rates for 35-year-olds
- Nonrefundable fare after grace period for travel that originates in the U.S., Canada, Europe, Africa and the Caribbean: $0
- Carfax Car Care
- Mutual funds
- How do you buy Vanguard Index fund shares?
- 5. Preferred dividends
- 3 tips to control central air conditioning installation costs
- Additional standard deduction 2023 (taxes due 2024)
- Our pairing for: Everyday purchases
- 4. Varo: Best for existing bank customers
- Will parent PLUS loans qualify?
- Disability housing grants
- Keep your job
- Debt management plan
- Asset allocation calculator
- Porter Capital
- Cons of buying bonds
- How did we determine the value of Alaska miles?
- 2019 credit card bonus categories
- Take notes
- United MileagePlus
- 4. Citibank: $1.01 trillion
- Other stock market changes: Dips, corrections and crashes
- Provide financial documentation
- Full list of the best home insurance companies in Texas
- PayPal
- Use cash back and other rewards features to offset spending
- Memberships
- Should you use a sweep account for savings?
- The bottom line
- Disadvantages of using an iBuyer
- Use a co-signer
- Use a co-signer
- 5. Vestiaire Collective
- Does silver diversify your portfolio?
- Do I have to update my W-4 every year?
- HEAL loans
- Experian business credit scores
- Best for low-cost plan availability: Humana
- 3. The government might owe you money.
- Exodus: 4.5 out of 5 stars
- Consumer experience
- 1. Examine your cooling needs
- 4. Sell some merch
- Citi Premier® Card and Citi Custom Cash® Card
- You don’t need to have $10,000 to take advantage of compound interest
- Self-Help Loan Pool
- 11. Business planning service
- Days in the cycle
- 5. Shop around and compare your options
- Country Financial
- 5. The APR runs high
- 12. Start a virtual event planning company
- 7. Suspend your benefit
- Shop with points via the American Express site
- 4. Use budgeting or expense-tracking apps
- Cons
- Some helpful links from the IRS
- What do I need for my loan application?
- Keep credit utilization below 30%
- Discounts
- Ex-dividend dates
- 9. Up to $240 in digital entertainment credit
- Is the 35K certificate impossible to use now?
- Do you ever need to change your EIN?
- 7. Your travel card may already include travel insurance benefits
- You can use credit card benefits to travel in basic economy
- Capital One Venture Rewards Credit Card
- What if I don’t have personal auto insurance?
- How did we determine the Hyatt points value?
- How do you buy 10-year Treasury notes?
- Not suitable for all businesses
- 3. Learn the difference between investing in stocks and funds
- How to keep a vacant or unoccupied home safe
- Get guaranteed Marriott late checkout with Platinum Elite status
- 2. Digital assets
- Pros of buying a condo:
- Bottom Line
- How to do well on Upwork
- 2023 tax rates by state
- Publicly-traded REITs
- 4. Determine the best asset allocation for you
- Nonrefundable fare after grace period for travel that originates elsewhere: Varies
- 6. Dividend funds
- When should you freeze your credit?
- After you're approved for Global Entry
- WANT TSA PRECHECK FOR FREE?
- Additional standard deduction 2024 (taxes due 2025)
- 7. Gather your loan paperwork
- How much does homeowners insurance cost in California?
- Statement credits
- SpringHill Suites, Residence Inn and Courtyard
- 5. American Express Membership Rewards
- 1099-C
- 3. Decide how much stock you want to buy
- Bankruptcy
- If you inherit or bequeath something, watch out for capital gains tax
- Loan limits
- 2018 credit card bonus categories
- Get an attending physician’s statement
- Disadvantages of itemized deductions
- Work with a real estate agent to find your ideal second home
- Consider hardship programs as a last resort
- Final thoughts on JAL's economy class
- 8. Tutor your peers
- Concur Travel
- Low-down-payment mortgages
- Our pick for: General travel
- Can you get a business loan with no down payment?
- Best life insurance company for consumer experience: Northwestern Mutual
- 10. Pet sit
- Plan your visits to Club Millésime lounges
- Consumer complaints
- Electronics
- 5. Upwork
- Closing costs for the buyer
- Dividends
- 4. You can avoid problems getting a loan.
- LLC self-employment taxes
- Covering weight loss drugs would be costly for Medicare
- 2. Time it right
- 5. Make money from your blog with affiliate links
- Cheaper ways to send money
- Native American Direct Loan
- 12. Tax consulting
- Cheapest final expense companies for 2024
- Respond quickly to lender requests
- First-time home buyer programs near Texas
- 7. Determine which warranties are right for you
- Shortcuts to asset allocation
- How to get a loan from a credit union
- Additional options
- Use points toward online purchases elsewhere
- Keep credit accounts open
- Consider a DIY approach — but only in some cases
- Restrictions and waiting periods
- Other loan calculators
- 10. $189 Clear credit
- Am I a resident for California state tax purposes?
- Consumer complaints
- What to do if you can’t repay a secured loan
- 7. Mobile apps and entertainment for children
- 2. Managing money
- Best business expense tracker for travel-related expenses
- How does coverage vary for international rentals?
- Smart strategies usually involve some delay
- Another approach: buying before you sell
- Pros of buying a co-op:
- 3. Check for external certifications — or the lack of them
- Full list of the best car insurance in New Jersey
- Leaving your money in your old 401(k)
- Swappa, Gazelle
- Why did Silicon Valley Bank fail?
- Forgivable Loan for Down Payment/Closing Costs
- Zoho CRM: Best overall CRM software
- Standard deduction for dependents
- Why you might not want to roll a 401(k) to an IRA
- How to earn more interest in a savings account
- American Express Membership Rewards points
- How to improve your liquid net worth
- Will my servicer know if I qualify?
- 1099-CAP
- Foreign LLCs Operating in North Carolina
- Methodology
- Debt settlement
- 13. Sell zero-waste products
- Are bonds a good investment?
- Final thoughts on the Delta-Clear partnership
- 2017 credit card bonus categories
- The best benefit of the Disney VIP tour? Time saved
- How do Instacart shoppers get paid?
- The challenge: Multiple offers are common, and first-time buyers have less cash
- How much does homeowners insurance cost in Texas?
- 6. Pick your investments
- Resident status rules
- 5. Select your retirement investments
- Communicate with your lender
- Shopping
- Exchange frequently? Consider a multicurrency account
- Other ways to strengthen your application
- Who would benefit from a Cardless credit card?
- Do you pay tax on T-notes?
- Loss of control over payment collection
- 11. Do freelance work
- The bottom line
- Jason Vitug
- Shortcut your way to Platinum Elite status
- Consumer experience
- 4. Book at the right time
- Become an authorized user
- Is Upwork the right freelance marketplace for you?
- Become an authorized user
- Other considerations to determine your down payment
- Public non-traded REITs
- Brokerage accounts vs. IRA
- Cheapest car insurance after a DUI
- Appraisal fee
- How to adjust your Form W-4
- Parent PLUS loans
- 4. Open your account
- Why do I need a business credit score?
- 5. Safeguard your Social Security.
- How to evaluate dividends
- Coinbase Wallet: 4.4 out of 5 stars
- 3. Look for equipment rebates and tax credits
- 5. Offer memberships
- Fleet expense management tools
- Other ways to buy insurance
- 6. Always keep the food and conversation going
- Average cost of homeowners insurance in California by city
- Capital One car rental coverage, recapped
- 4. Use gifting
- 8. Use a do-over
- Redeem for gift cards
- 5. Explore other expense-tracking methods
- Jumbo loans and conforming loan limits
- Space out credit applications
- Consumer complaints
- 5. U.S. Bank: $646.73 billion
- Additional resources:
- The underwriter cross-checks third-party records
- For Apple Pay users: The Apple Card
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- 3. Loan processing takes over
- 9. Take surveys
- 5. PayPal
- Where to find the best savings accounts
- Lack of credit card knowledge costs consumers in interest and rewards
- 4. Decide how to file your taxes
- 1. Automate transfers
- Is two weeks’ notice required?
- Other ways to save at the pump
- Stock splits
- What are the best Vanguard index funds?
- Cons of a credit freeze
- What happens if you are declined?
- The bottom line
- Tax credits for low-to-middle-income households
- 8. Get a preapproval letter
- The Platinum Card® from American Express for military spouses
- 6. Capital One Rewards
- 1099-DIV
- What's next?
- National first-time home buyer loan programs
- 14. Make products for pets
- Property standards
- What do the approvals mean for other crypto investments?
- 2016 credit card bonus categories
- Summary: Buying a second home
- Consumer experience
- What if you lose your EIN?
- Request a new payment date
- Perks await when you fly economy with elite status
- 8. Shared accessories and attire
- Down payment assistance programs
- Cigna Medicare Advantage plan types
- Other types of financing
- What is the procedure for filing a claim?
- Next Steps
- Passport expiration rules for Mexico, recapped
- Could we be in an AI bubble?
- 4. Investigate easy 'feel good' tactics
- Discount points
- Refundable fares: $0
- LLC sales taxes
- Dividend per share (DPS)
- Tactic 3: Use your military benefits
- How to finance central air installation
- 5. Dave: Best for repayment flexibility
- 13. PR agency
- 6. The amount you will travel
- 3. Sell your castoffs
- 5. Lower your living expenses
- What's next?
- Donate to charity
- Find local conforming loan limits
- Step 5: Submit your application and get funded
- Retirement accounts for small-business owners and self-employed individuals
- Monitor your credit reports
- If all else fails, complain
- Consumer experience
- Other great credit cards for international flights
- The complete list of dividend aristocrats
- Paw Protect pet insurance rates
- How to book a discounted Conrad stay without points
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- How you can save points on a redemption
- Venmo
- How do business expense trackers work?
- Could be responsible for debt if customers don’t pay
- Why you can trust NerdWallet
- 2024 state income tax rates and brackets
- Other ways to sell clothes online
- How to have more taxes taken out of your paycheck
- Inheritance and gifts
- How do I get my business credit score?
- Other home insurance companies to consider
- When can't you take the standard deduction?
- Fleet fuel cards: benefits and drawbacks
- 6. Sell your wares on Etsy
- 5. Create an LLC operating agreement
- What are the best dividend stocks?
- 8. Negotiate the best price
- Credit union vs. online lender
- 15. Create custom clothing
- 6. Look for ways to lower your expenses
- 2015 credit card bonus categories
- Stay flexible
- Have a plan for if you lose your job
- 4. The underwriter makes a decision based on your documentation
- The bottom line
- 10. Search for regular jobs for kids
- Seek credit counseling
- The best place to exchange currency at the end of your trip
- 12. Create a podcast
- File taxes online with tax software
- Private REITs
- Best of the Blues: Highmark
- Best insurance company for accident forgiveness: Geico
- Dividend yield
- 6. Respect other passengers' space
- Home equity loan
- The cheapest home insurance in California
- Apple tag trackers recapped
- NC Home Advantage Tax Credit
- What if I had delinquencies or a student loan in default?
- 1099-G
- Appendix: How the math works in our examples
- Ways to get the best jumbo mortgage rates
- Your strategy: Use leverage where you have it
- The underwriter will calculate your life expectancy
- Advantages of the standard deduction
- Average cost of homeowners insurance in Texas by city
- 13. Walmart+ Monthly Membership Credit
- Part-year resident status rules
- Cards with primary coverage
- Best life insurance company for coverage amounts: New York Life
- Spending your way to Platinum Elite status
- 6. Emirates chauffeur service (paid business or first class only)
- 5. Kiwi
- The bottom line
- 5. Set a price alert
- Best insurance company for accident forgiveness: Geico
- Empower Personal Dashboard, for tracking wealth and spending
- 6. OfferUp
- 2. Count your coins and bills
- Escrow account funds
- Second Mortgage for Down Payment/Closing Costs
- Credit freeze or credit lock?
- Is Global Entry worth it?
- Trust Wallet: 4.3 out of 5 stars
- How much money can you make on YouTube?
- Home shopping tips
- Marriotts near Allegiant Stadium
- 7. Citi ThankYou Points
- 14. Professional organizing
- A closer look at these companies
- The Hanover
- 2014 credit card bonus categories
- How to book a Disney VIP tour
- Chase cards
- Ask for help
- What’s a good down payment for a house?
- 13. Become a rideshare or delivery driver
- Erin Lowry
- Carbon offsets and other gray areas
- Cash out your 401(k) — which is rarely recommended
- Why did Signature Bank fail?
- 5. Rebalance your investment portfolio as needed
- How to have less taxes taken out of your paycheck
- Benefits
- 9. Choose a real estate agent carefully
- 1099-INT
- 4. Education accounts
- 4. Earn badges through Live videos
- What’s next?
- 16. Sell vintage clothing online
- Why a financial advisor's fee structure matters
- What is the highest credit score, and how many people have it?
- 6. PNC Bank: $551.13 billion
- Currency exchange: Frequently asked questions
- How to choose a business expense tracker
- Are Cigna HealthSpring and Cigna Medicare the same?
- Much ado about convenience
- Is debt factoring right for my business?
- Other home insurance companies to consider
- Support climate solutions
- Cheapest auto insurance for poor credit
- Award tickets booked with Delta SkyMiles
- 5. Choose investments that match your tolerance for risk
- Real estate
- LLC tax forms and deadlines
- When to consider Global Entry instead
- How much is my 2023 standard deduction?
- The bottom line
- If you’re looking for AmEx Platinum Card military benefits
- 15. Photography
- 5. Sell with TikTok Shop
- 4 key things to know about bonds
- Cards that earn American Express Membership Rewards points
- Discounts
- Lounge benefits
- Get your fifth night free
- Create a Plan B to bring in cash
- Allstate vs. competitors
- 6. Sezzle
- 9. Shared home improvement equipment
- 4. Set a budget for your stock market investment
- If you want to get Marriott late checkout
- Get credit for the bills you pay
- Get credit for the bills you pay
- Past years' state tax rates
- How to sell clothes online
- Methodology
- Pros of investing in REIT stocks
- 3. Prep for grocery shopping
- Flood determination and monitoring fees
- Vanguard 500 Index Fund (VFIAX)
- Who can access your frozen credit reports?
- 7. Have a backup plan ready
- Home equity line of credit
- What to look for in marketing software
- Drawbacks
- Tax credits for investing in retirement
- 6. MoneyLion: Best for existing customers
- 7. Self-publish an e-book
- TownePlace Suites Las Vegas City Center
- 9. Maximize trade-in value, if applicable
- 17. Begin niche blogging
- The cheapest home insurance in Texas
- Important considerations when opening a Roth IRA
- 14. Access to the American Express Global Lounge Collection at airports
- Nonresident status rules
- Walmart2Walmart
- 3. Find your vending machine
- 5. Your loan is cleared to close
- Allstate vs. State Farm home insurance
- Ways kid creators can earn online
- Final thoughts on the different United economy fare classes
- Where is the best place to exchange currency?
- Third-party ratings
- Capital One QuicksilverOne Cash Rewards Credit Card
- American Express add-on coverage
- 14. Tutor
- 6. Jump on fare deals
- How to use a W-4 to owe nothing on a tax return
- How to cancel award tickets booked with Delta SkyMiles
- Dividend payout ratio
- MetaMask: 4.0 out of 5 stars
- 10. Narrow down your ideal type of house and neighborhood
- What you need to know about California homeowners insurance
- 8. Bank of America® rewards
- Can I get a refund?
- 1099-K
- Refinancing
- If you want to book Disney’s VIP tour
- How do you get a perfect credit score?
- You’ll be placed into a life insurance rating category
- Our pick for: Fair credit
- 7. Emirates A380 onboard lounge
- Hire and work with a tax preparer or another tax pro
- Freshen up your merchandise
- Government recording fees
- Compare insurance rates by driver history
- Vanguard Total Stock Market Index Fund (VTSAX)
- Fuel card vs. business gas credit card
- 16. Event space
- Learn about the best life insurance companies
- 6. Comply with federal, state and local regulations
- Next steps
- Amex EveryDay® Credit Card
- What is the normal fee for a financial advisor?
- State Farm vs. competitors
- The bottom line: Set realistic expectations
- AmEx cards
- State availability
- 15. Centurion Lounge Complimentary Guest Access
- Allstate vs. Geico home insurance
- How do I find a currency exchange near me?
- AM Best Financial Strength Rating: A (Excellent)
- Alternatives to debt factoring
- Should you invest in AI stocks?
- 3. Precious metals
- What’s happening with Silvergate Capital Corp.?
- Cons of investing in REIT stocks
- 7. Poshmark
- Homebuyer Tax Credit (MCC)
- How to shop for Medicare Advantage plans
- Cost
- Earn an audience, and earn more in the long run
- Wildfires
- Courtyard, Fairfield Inn and Residence Inn (Las Vegas South)
- 5. Build a community
- 18. Become an e-book writer
- State Farm vs. Allstate home insurance
- Pay fewer points with Cash + Points
- 11. Monetize your social media accounts
- Best life insurance company for permanent life insurance: Pacific Life
- Loan-origination charges
- Vanguard Total Bond Market Index Fund (VBTLX)
- Are dividends taxed?
- Cash-out refinance
- First-time home buyer programs near North Carolina
- 17. Interior decorating
- 5. ABLE Accounts
- 7. Your Chase 5/24 count
- 10. Make the purchase
- 6. Monetize using the Series feature
- 7. Goldman Sachs: $463.99 billion
- Hotel-friendly benefits
- Where can you exchange currency for free?
- 10. Vacation rentals
- It pays to know
- Small business loans
- 15. Rent out items
- 7. Purchase travel insurance in advance
- What happened to Credit Suisse?
- Take clear photos
- LLC tax tips for business owners
- Final thoughts on getting TSA PreCheck for free
- Features
- 2023 vs. 2024 standard deduction
- Tax credits for education
- 8. Get advertising revenue from your blog or YouTube channel
- 1099-LTC
- 7. File your annual report and keep your LLC in good standing
- Final thoughts on the Marriott elite benefit guarantees
- State Farm vs. USAA home insurance
- Standard deduction vs. itemized deductions
- What to know about Texas homeowners insurance
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 12. Get paid to stream on Twitch
- J.D. Power Ranking
- 8. Emirates first class lounge in the airport
- 6. BookWithMatrix
- Practice good credit habits
- Practice good credit habits
- Investing in REITs: How to get started
- 4. Minimize restaurant spending
- Mortgage insurance or fees for government-backed loans
- Delta’s no-show policy
- Vanguard Balanced Index Fund (VBIAX)
- Best insurance company for having few customer complaints: American Family
- Next steps
- Electrum: 2.5 out of 5 stars
- 7. SoLo Funds: Best for peer-to-peer cash advances
- 18. Woodworking or furniture building
- Nationwide
- 19. Start ghostwriting
- Related articles
- Citi cards
- Which one should I take?
- Consumer experience
- California state tax credits
- Allstate vs. Farmers home insurance
- 7. Zip
- 3. Building a budget
- Equity financing
- 16. Use cash back apps
- 5. Focus on investing for the long-term
- Methodology
- Best insurance company for having few customer complaints: American Family
- W-4 calculator
- Compare car insurance rates for drivers with a DUI
- More resources on investing
- Reporting and analytics
- Other ways to make money
- Earthquakes
- Other Las Vegas Marriott options
- National first-time home buyer programs
- 1099-MISC
- If you're considering the Chase Sapphire Preferred® Card
- Hurricanes
- 17. Upgrade to Hilton Honors Gold status
- Western Union
- 11. Electronics repair
- NCQA Score Range: 2.5 to 3.5 out of 5
- More from NerdWallet
- 4. Collectibles
- 5. Gather tax filing information
- PocketGuard, for a simplified budgeting snapshot
- Write an honest description
- Vanguard Growth Index Fund (VIGAX)
- Personal loan
- When to claim the standard deduction
- 11. Stick to your budget
- Near the Strip
- 20. Become a resume writer
- FHA vs. conventional loans: Summary
- American Express® Green Card
- 8. Truist Bank: $534.93 billion
- Conrad Hotels & Resorts recapped
- Earn elite status
- 4. Explore your financing options
- Tips for making money as a kid
- Pest inspection
- Ongoing support
- Does your business need a fleet fuel card?
- Flooding
- 19. Graphic design
- 7. Collect tips from viewers
- State Farm vs. Progressive home insurance
- You’ll get your life insurance rate
- 18. Money-saving perks for stays booked through The Hotel Collection
- California earned income tax credit (CalEITC)
- Investing
- Business grants
- These are just some of the best ways to save on plane tickets
- Are other banks are in trouble?
- Cheapest car insurance for young drivers
- 5. Get discounts on entertainment
- If you need to cancel a Delta flight
- Your next step
- Vanguard Small Cap Index Fund (VSMAX)
- 3 best cold wallets
- 1099-NEC
- Where should you open your investment account?
- 21. Open a coworking space
- Conventional loans
- Best life insurance company for customer satisfaction: State Farm
- Price clothes to sell
- Prepaid expenses
- What else to know about Form W-4
- 9. Become an Instagram influencer
- An alternative Las Vegas vacation
- 20. Clothing boutique
- Capital One cards
- Other pet insurance companies to consider
- 19. Complimentary benefits through Fine Hotels & Resorts
- California young child tax credit (YCTC)
- The bottom line
- Cigna Medicare Advantage service area
- 6. Manage your stock portfolio
- 5. Commodities
- 1. Has the W-4 form changed?
- Vanguard Total International Stock Index Fund (VTIAX)
- 8. Klover: Best for no-fee advances
- Starting an LLC in North Carolina FAQ
- Book with Marriott credit cards
- 4. Saving money
- 9. Generous baggage allowance
- Check your credit scores and reports
- 6. File and settle up with the IRS
- Check your credit scores and reports
- Should I take my money out of the bank?
- 6. Map out major purchases
- Tax credits for green purchases
- 12. Make the most of walk-throughs and open houses
- California Department of Insurance
- 21. Bed and breakfast
- 1099-OID
- 22. Become an online coach
- FHA loans
- Hail
- California child and dependent care tax credit
- 12. Academics courses
- If you owe taxes
- Tax monitoring and research fees
- OK, what's next?
- More from NerdWallet
- Additional tips for making money on TikTok
- American Express® Gold Card
- 9. Capital One: $468.23 billion
- How we review pet insurance
- Services
- Compare buy now, pay later apps
- 6. Real estate
- 2. What does it mean to be exempt from taxes?
- Looking for more insurance in California?
- 22. Food truck
- 1099-PATR
- State Farm
- Find your niche
- 23. Flip failing websites
- The bottom line
- 20. Free shipping with ShopRunner
- California adoption cost tax credit
- Zelle:
- Final thoughts on the best flight booking site
- Title-related costs
- Best insurance company for financial strength: Auto-Owners
- Ledger: 5.0 out of 5 stars
- 10. Monetize your Twitch channel
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- Best stocks for beginners
- If you’re getting a tax refund
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- Are we in a recession?
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- 7. Restrict online shopping
- Home purchasing tips
- 1099-Q
- 24. Become a web developer
- Tornadoes
- 21. Concierge service
- California nonrefundable renters tax credit
- 13. Language courses
- 13. Don’t skip the home inspections
- 23. Restaurant or cafe
- Mortgages
- Cigna customer service
- Best life insurance company for older applicants: AARP
- Honeydue, for budgeting with a partner
- Pros and cons of loan apps
- 1099-R
- 25. Start a podcast
- 10. TD Bank: $366.25 billion
- 22. Low fares through the International Airline Program
- 5. Stock your vending machine with inventory
- Pros
- How to book Emirates first class
- 3. When should I review my W-4?
- Trezor: 4 out of 5 stars
- Using free night certificates
- 24. Craft brewery
- The Platinum Card® from American Express
- Wildfires
- Other ways to redeem Marriott Bonvoy points
- 8. Delay purchases with the 30-day rule
- Closing costs for the seller
- 1099-S
- Be authentic
- 26. Be a social media influencer
- 23. Savings with the Cruise Privileges Program
- How to track your California state refund
- Are we headed for a depression?
- Compare auto insurance rates for drivers with poor credit
- Pros
- 14. Negotiate with the seller
- 11. Sell your photography
- 14. Business or marketing courses
- The bottom line on investing in stocks
- Cheapest car insurance by state
- Real estate agent commissions
- 4. Can I adjust my W-4 multiple times throughout the year?
- The bottom line
- 25. Ice cream shop
- Travelers
- Texas Department of Insurance
- 24. Car Rental Privileges
- What to know about the best ways to send money
- Cons
- Ways to maximize value in Emirates first class
- 9. Get creative with gifts
- SafePal: 3.8 out of 5 stars
- 1099-SA
- 27. Create online courses
- The new Marriott award system
- 6. Make the right investments
- Best term life insurance companies of April 2024
- Property and transfer taxes
- 26. Personal chef
- Serve your audience and set small goals
- 11. BMO: $260.79 billion
- 25. Deals through the Amex Auto Purchasing Program
- Use the amenities
- 7. Private equity
- Best insurance company for discounts: Amica
- Cons
- 15. Buy adequate home insurance
- 28. Become a marketing consultant
- American Express® Business Gold Card
- Looking for more insurance in Texas?
- California state sales tax
- 15. Personal wellness
- Best insurance company for discounts: Amica
- Title insurance
- 27. Landscape services
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- How to find the best term life insurance company
- 26. An extra point when booking Platinum Destinations Vacations
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- Benefits and risks of alternative investments
- Budgeting resources from NerdWallet
- 10. Lower your car costs
- Methodology
- How to make money from home
- Use multiple strategies
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- 28. Pet grooming
- 29. Develop an app
- 27. Additional value through the InCircle rewards program
- Book a long flight
- 12. Become a dog walker with Rover or Wag
- Look up the insurer’s financial strength
- 12. Citizens Bank: $224.96 billion
- 5 things to know about California state tax
- 5. Maximizing your credit cards
- Best no medical exam life insurance companies of April 2024
- How to get cheap car insurance
- 11. Reduce your gas usage
- Are cash advance apps payday lenders?
- 29. Florist
- USAA
- 28. AmEx Carbon Emissions Tracker
- 16. Courses in hobbies or interests
- Other ways to earn money
- 30. Make a smart appliance
- Book a short flight
- The Business Platinum Card® from American Express
- Personal loans
- How to choose the best life insurance company
- Alternative investment cons
- Methodology to identify the best budget apps
- 30. Massage therapist
- 31. Tap into virtual reality experiences
- Research the insurer’s reputation for customer service
- Access to unique experiences
- Consider transfer partners
- 12. Bundle cable and internet
- Are apps like DailyPay and Payactiv cash advance apps?
- 13. Sell unused gift cards
- 13. First Citizens Bank: $213.59 billion
- 29. The Global Dining Access by Resy
- 17. Bookkeeping and accounting
- 1. Look at customer satisfaction scores
- Risks of getting cheap auto insurance
- 32. Make a niche dating site
- 30. Exclusive events
- Pros and cons of starting a vending machine business
- 2. Consider financial strength
- 13. Switch your cell phone plan
- Best insurance company for customer satisfaction: State Farm
- 31. Nutritionist
- 33. Develop a chatbot
- More about term life insurance
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- Best insurance company for customer satisfaction: State Farm
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- 31. An open invitation to events with Membership Experiences
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- 18. Consulting
- 6. Borrowing money
- 3. Evaluate the policy options
- Compare insurance rates for drivers with an accident
- 14. List your spare bedroom on Airbnb
- 32. Personal trainer or fitness instructor
- The benefits of an auto and home insurance bundle
- 34. Offer matchmaking skills
- Other ways to earn American Express Membership Rewards points
- 32. A better view with American Express Preferred Access
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- 14. Reduce your electric bill
- 35. Be a virtual assistant
- 14. Fifth Third Bank: $211.98 billion
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- 4. Get prices from a handful of companies
- 33. Beauty services
- The drawbacks of an auto and home insurance bundle
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- 15. Lower your student loan payments
- 34. Life coach
- 36. Reinvent exercising
- Convenient features
- 19. IT support
- More about top-rated life insurance companies
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- The fine print
- 33. No foreign transaction fees
- Best insurance company for military members: USAA
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- 15. Sell your gently used clothes
- Should you bundle car and home insurance?
- 15. M&T Bank: $208.61 billion
- 34. Upgrade with points
- 35. Tutor
- 38. Open a food truck or restaurant pop-up
- 20. Graphic design
- 35. No preset spending limit
- 17. Refinance your mortgage
- 36. Daycare provider
- 39. Start an organization business
- Taxes
- Cash advance app star rating methodology
- 16. Huntington National Bank: $186.36 billion
- 36. A lower annual fee on additional cards
- Bundling tips
- 40. Do interior design for young professionals
- 18. Set savings goals
- 16. Trade in old phones, electronics for cash
- 37. Senior care provider
- 37. CreditSecure
- 21. Social media management
- Travel rewards
- Full list of the best car insurance companies
- 38. Interpreter or translator
- How to choose a startup idea
- Full list of the best car insurance companies
- 17. Ally Bank: $185.72 billion
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- 39. Housecleaning
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- 19. Track spending
- 17. Get a babysitting gig
- 38. Cell phone protection
- 22. Marketing copywriter
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- 40. Automotive repair
- 39. Purchase protection
- 7. Your credit score
- 20. Pay off high-interest debt
- 1. Gather your information
- 23. Virtual assistant services
- 41. Handyman services
- 40. Return protection
- 18. Rent out your car
- 18. KeyBank: $185.57 billion
- 21. Keep savings in a high-yield savings account
- 41. Extended warranty
- 42. Dry cleaners
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- How to find the best car insurance
- 42. Baggage insurance plan
- How to find the best car insurance
- 22. Create a 50/30/20 budget
- 2. Choose the right liability car insurance coverage levels
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- 19. American Express National Bank: $174.80 billion
- 43. Car rental loss and damage insurance
- 1. Do your research
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 44. Premium Car Rental Protection
- 2. Get organized and make it official
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 45. Trip delay insurance
- 46. Rideshare driver
- 20. HSBC Bank USA: $161.30 billion
- 20. Become a private tutor
- 46. Trip cancellation and interruption insurance
- 3. Find the right financing
- 47. Website development and design
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- 48. Sell clothes online
- 47. Premium Global Assist Hotline
- 24. Join initiatives to get free items
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- 49. SEO consultant
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- 8. Taxes
- 50. App development
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- 22. Make deliveries for Amazon, Uber Eats
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- 26. Stock up on household supplies when they’re cheap
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- 28. Cash in on your birthday
- 24. Sign up to be a mystery shopper
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- 25. Put your drone to work
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- 10. Insurance
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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.