No matter how old we get, just thinking about buying a new car can bring a smile to our face.  Perhaps it's the memories of that first time we pulled out of the driveway and experienced the freedom we so long desired.
 
Whether you are preparing to buy your first car or your fifth, the first step is the same: deciding what type of car you need, the size of family you have, what you may be towing, or the price tag. Next, you must decide how much you can spend. Do you want to deplete your savings account or get a loan? Based on your income what kind of payment can you afford?  Our calculators can help you choose a loan payment that comfortably fits within your budget.  Not only must you consider the cost of the car you must also consider how much you will pay ongoing for gas, insurance, and upkeep.

When shopping for your car, remember to do your homework.  Automobile research is available in magazines such as Car and Driver, Consumer Reports, and MotorTrend.  Valuable information is also available on the Internet at such sites as www.nada.com, www.kbb.com, www.carfax.com .

New verses Used - there are good reasons to purchase either one.  When you purchase a new car you get all new parts, full warranties, better safety features, and typically lower interest rates. On the other hand, buying a used car has perks too: lower purchase price, lower insurance premiums, and lower rate of depreciation. Most dealerships offer "certified used cars."  As a general rule, these cars are used but have an extended warranty and are guaranteed by the dealership.