Articles About Getting Clean Credit

How To Save Money When Buying A Car New Or Used

Don't know what to look for when buying a new car? The Federal Trade Commission (FTC) is an organization that prevents fraudulent and unfair business practices. Every year they revamp or print publications that range from directory scams to buying new cars. So here are some tips on how to keep your eyes peeled for those scams.

Before you start looking for that new car, think about your needs and your budget. In terms of your needs you might want to learn about the different types of cars and their features. Consider how much you can afford as a down payment. Make sure your budget can cope with the monthly payments, think about the length of the loan. Find out what your credit score is, this will help you to work out what the annual percentage rate might be.

Sometimes (most of the time) a sale price isn't really the best price. If you shop around you will find some dealerships or merchants that will be willing to match, or even beat, their competitors price. Try to do as much research as possible on line, it will save on time and travel. Always ask about their refund and return policies. Check to see if they have an exchange policies as well. Do not take a salesman word for anything, get it in writing.

If you purchase a used or pre-owned car, ask the dealer for the Buyers Guide. The FTC requires the dealership to make a Buyers Guide for every used car they sell. The Buyers Guide includes all the information you would need to know about the car, from the warranty to the major mechanical and electrical systems on the car. Use a checklist when inspecting your car. You can a checklist anywhere on the Internet. But also have a mechanic check the car as well. Talk to the previous owner to learn more about the car's history.

Finally, I will let you in on a little known secret that i have used for many years. Every dealership has cars called ?program cars.? They are new or fairly new cars that are kept in really good condition, they are like company cars. The dealerships use them for you to test drive, normally one of the staff will get to use the car on evenings and weekends. Normally they do not keep them very long less than 3 months, they will have very little mileage on the clock. Ask your dealer about it, you could score big with a new car at a great price!

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