{"id":13266,"date":"2018-04-23T20:30:49","date_gmt":"2018-04-23T20:30:49","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/native\/uncategorized\/car-buying-tips-for-the-savvy-shopper\/"},"modified":"2026-08-08T04:58:36","modified_gmt":"2026-08-08T04:58:36","slug":"car-buying-tips-for-the-savvy-shopper","status":"publish","type":"native","link":"https:\/\/one.sightlinemg.com\/navytimes\/native\/navy-federal\/car-buying-tips-for-the-savvy-shopper\/","title":{"rendered":"Car buying tips for the savvy shopper"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you\u2019re in the market for a new set of wheels, or even thinking about it, there\u2019s great news. You\u2019re in command. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s never been easier to find your ideal car with today\u2019s tools and resources at your fingertips. There are even services to buy vehicles online and have them delivered to you. That makes your car-buying mission a whole lot easier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But finding your dream car for the right price means gathering intel and making an informed decision. So, what should you do before you buy? Here are a few tips to help you drive off with a great car, and get a deal while you\u2019re at it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>1. Check-up on your credit<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you finance a car, your rate is largely determined by your credit. The better your score, the less you\u2019ll pay in finance charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIt\u2019s prudent to review your credit inventory and credit score before you begin shopping for a car. Being on top of your financial commitments and knowing your credit score will help you with the financing process,\u201d says Joe Pendergast, vice president of consumer lending at Navy Federal Credit Union. \u201cA good way to improve your credit score is by reducing debt, especially revolving and paying your bills on time.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, there isn\u2019t an exact credit score you need for an auto loan. While it\u2019s valuable to have your credit in a good place, it\u2019s just one part of the finance process. \u201cBeyond looking at your credit score, a lender also will consider things such as the loan amount being requested, debt-to-income ratio, and the collateral, if applicable,\u201d adds Pendergast. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, don\u2019t be deterred if your credit needs improvement. Reach out to your lender and see if they\u2019re able to work with you before you start shopping.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>2. Do your homework on cars<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shop around and compare prices online. There are just as many deals out there as there are options for cars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cAuto makers are offering incentives in an attempt to keep sales on pace with the last few years, but some of the zero percent financing offers are becoming harder to find. The best deals right now are in used vehicles. Nearly a third of all auto sales in the U.S. are leases, resulting in an increased supply of low cost, quality used vehicles in the market as lease terms come to an end,\u201d says Pendergast.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many franchise dealers are sweetening the pot by offering pre-owned certified vehicles which often come with many of the bells and whistles that new cars do, including free maintenance, a loaner vehicle and roadside assistance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may find your bank or credit union offers an <a href=\"https:\/\/www.navyfederal.org\/products-services\/loans\/auto\/autobuying.php\">auto buying service<\/a>, too. Services like these are typically haggle-free, meaning vehicles are listed at their lowest manufacturer\u2019s suggested retail price. If that\u2019s your style, you may even be able to find and buy your car without ever setting foot on a dealer lot.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>3. Get pre-approved<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you do plan to head to the dealer, it\u2019s tempting to go straight there once you\u2019re ready. Avoid doing this, as you\u2019ll want to have a plan before you do. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The dealer can tell who\u2019s done their homework and who hasn\u2019t. If you\u2019re not fully prepared to discuss and lock down the financing aspect of buying a car, then you shouldn\u2019t be driving off the lot with one. The best way to avoid this is to secure financing from your bank or credit union before you visit the dealership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.navyfederal.org\/resources\/articles\/auto-loans\/car-buying-how-a-pre-approval-can-put-you-in-the-fast-lane.php\">pre-approval<\/a> can add to your negotiating power, too. It\u2019s a good way to set a spending limit, as well as let the dealer know where your ceiling is. At the end of the day, it may even help you avoid spending more than you can afford.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>4. Don\u2019t feel like you have to make a quick decision<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a car is a big financial decision. Take your time and don\u2019t rush the process. If you\u2019re not satisfied with your options, keep looking around.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember, a car payment shouldn\u2019t break your budget. You should have money left over for savings and other expenses after your payment each month. Rushing into a purchase you can\u2019t afford could hurt you down the road.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking to iron out the details, check out <a href=\"https:\/\/www.navyfederal.org\/products-services\/loans\/auto\/auto-rates.php\" title=\"\" class=\"selected-link\">auto loan rates<\/a> and <a href=\"https:\/\/www.navyfederal.org\/products-services\/loans\/auto\/car-loan-calculator\/\" title=\"\" class=\"\">auto loan calculators<\/a> to get a sense for your affordability. Your best bet is to follow these steps and be prepared for the process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b><i>You may also like:<\/i><\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 <a href=\"https:\/\/www.navyfederal.org\/resources\/articles\/auto-loans\/the-ultimate-used-car-buying-guide.php\" title=\"\" class=\"\">The Ultimate Used Car Buying Guide<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 <a href=\"https:\/\/makingcents.navyfederal.org\/knowledge-center\/auto-loans\/choosing-your-car\/considerations-when-buying-a-new-car.html\" data-original-title=\"\" title=\"\" class=\"selected-link\" aria-describedby=\"popover65955\">Considerations when buying a new car<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 <a href=\"https:\/\/www.navyfederal.org\/resources\/articles\/auto-loans\/buying-a-car-without-a-sweat.php\" data-original-title=\"\" title=\"\" class=\"selected-link\" aria-describedby=\"popover245746\">Buy a Car Without Breaking a Sweat<\/a><\/p>\n","protected":false},"author":7,"featured_media":31322,"menu_order":0,"template":"single-native-legacy","meta":{"_acf_changed":false,"_acf":"","_yoast_wpseo_primary_category":"11"},"advertiser":[3439],"class_list":["post-13266","native","type-native","status-publish","has-post-thumbnail","hentry","advertiser-navy-federal"],"acf":{"subheadline":"","legacy_arc_id":"B7PWRWNOORAWHMGHVJ4UDBHM44","arc_canonical_url":"\/native\/navy-federal\/2018\/04\/23\/car-buying-tips-for-the-savvy-shopper\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Car buying tips for the savvy shopper - Navy Times<\/title>\n<meta name=\"description\" content=\"If you\u2019re in the market for a new set of wheels, or even thinking about it, there\u2019s great news. 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