Car Buying
Car Buying
How to Choose, Afford, and Finance Your Next Car
Buying a car is one of the biggest purchases you’ll make—and how you finance it can impact your finances for years.
Start Here: Where Are You in the Process?
This center helps you figure out what you can afford, explore your options, and make a smart decision before you sign anything.
Just Getting Started
Comparing Your Options
Ready to Finance
Already Have a Car Loan
Your Car Buying Roadmap
- Plan → Set your budget and needs
- Choose → Find the right car (not just the dream car)
- Finance → Get the best loan or lease
- Optimize → Refinance or pay off strategically
Understand Your Options
Auto Loans (New vs Used)
Leasing a Car
Credit Union Auto Financing
Bank vs Dealership Financing
Tools to Help You Decide
Common Questions About Car Buying
A good rule is to keep your monthly car payment under 10–15% of your take-home pay while factoring in insurance, gas, and maintenance. Learn How to Buy a Car Without Overpaying →
Used cars are usually more affordable and depreciate slower, while new cars offer the latest features and warranties.Learn Which Auto Loan Makes More Sense?
Yes, preapproval gives you a clear budget and negotiating power so you don’t rely solely on dealer financing. Learn How to Get Preapproved for a Car Loan →
You can get approved with a wide range of scores, but higher credit scores typically qualify for lower interest rates. Learn How Credit Scores Work →
Leasing may offer lower monthly payments, but buying builds ownership and long-term value. Learn Differences Between Leasing vs. Buying a Car →
Yes, refinancing can lower your interest rate or monthly payment if your credit improves or rates drop. Learn How to Refinance a Car Loan →