: Your credit score significantly impacts your interest rate. Check it for free using the Experian Credit Tool. 2. Secure Financing Early

: Aim for a 20% down payment , a loan term no longer than four years , and total car-related costs under 10% of your monthly income.

: Remember that the "out-the-door" price includes sales tax, registration fees, and documentation fees.

Getting pre-approved for a loan before visiting a dealer gives you more leverage and a firm budget. A First-Time Car Buyer's Guide - NerdWallet

Before looking at cars, determine how much you can truly afford.