Financial Help Buying A Car (2025)

: Choose the shortest loan term you can afford (36–48 months). While long terms (60–84 months) have lower payments, you will pay much more in total interest.

: Visit banks or credit unions, such as Navy Federal Credit Union , for preapproval before hitting the dealership. This gives you a "blank check" and prevents being upsold.

: Don't just settle for the sticker price. Haggle with the salesperson and compare prices between different lots for leverage.

: Consider buying in the fall when dealerships make room for new models, or during major holiday sales events.