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Comparing Auto Loans · Negotiate your finance package separately from the purchase price of the vehicle · Seek pre-approval from a credit union, bank, and other. Every part of the car buying process can happen just as seamlessly online—and with just as much security—as it would in person, thanks to no-haggle pricing. 1. Calculate Your Budget · 2. Check Your Credit · 3. Choose the Vehicle and Features You Want · 4. Get Pre-Approved for a Loan · 5. Choose a Dealership · 6. Test. A good rule of thumb is to spend no more than 25% of your monthly household income, including your monthly car loan payments and all other vehicle costs. Make a list of needs and wants. Set a budget. Most experts recommend spending % of your monthly income on car purchases.
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