Insurance Tips for New Car Buyers

Buying a new car is always exciting. There's the thrill of finding the car of your dreams, being able to choose the color you want and to detail the car exactly as you need it to be, so that suits you perfectly. Car finance can be a little bit trickier but once you have settled…

Buying a new car is always exciting. There's the thrill of finding the car of your dreams, being able to choose the color you want and to detail the car exactly as you need it to be, so that suits you perfectly. Car finance can be a little bit trickier but once you have settled on the car and the final price it's a fairly straightforward matter to get a car loan to suit.

When it comes to insurance though it is easy to overlook some important points and ring your usual insurer and sign up for the package that appears right to you. This is a mistake that many new-car buyers make when they get cooked up in the excitement of their new purchase because there are plenty of ways you can save money when it comes to car insurance.

How much you pay for your car insurance will depend upon a number of factors including your age, where you live, the type of car you are buying, where you live and your marrial status. Although you can not do much about some of these items, particularly your age, but there are some ways you can minimize your costs.

Let's take a look at some of the more important points when it comes to choosing the right insurance package.

  • Online insurance can be cheaper. One of the greatest advances that Internet technology has bought us is the capacity to research insurance products online. Most companies provide comprehensive online quoting options so you can easily compare costs and review as many companies as you want.
  • Another great reason to use the Internet to research car insurance costs is that many sites have reviews from previous users. This gives you a lot of insight into a company's reputation and what other people have experienced when dealing with company.
  • The most common policy for a new car is comprehensive car insurance. This is typically the best cover because it covers the cost of crash repairs or even the replacement of your car in the event of a bad accident. It is also the most expensive option but, because of the higher market value of a new car, it is usually the most sensible choice.
  • In rare circumances, experienced drivers have been known to take a risk and only insure their car for third-party property. This is the least expensive insurance option on the market as it only covers you for damage that you cause to another car. It can also include limited cover for damage to your car if you are involved in an accident with an uninsured driver. Either way, this is an option which should only be carefully considered by people with sufficient financial resources to cover loss in the event of an accident.

In the end, car insurance comes down to a matter of individual choice and what you can afford. Whilst car loans can be an easy choice, car insurance takes some careful consideration before coming to a final conclusion.

What Is Going On With Car Loans Today?

There is a great deal going on in the world of car loans today, so it is understandable that many people are confused when trying to find a loan that suits them, a loan that offers them the best interest rate, and increased confusion while sifting through the large number of online lending institutions that…

There is a great deal going on in the world of car loans today, so it is understandable that many people are confused when trying to find a loan that suits them, a loan that offers them the best interest rate, and increased confusion while sifting through the large number of online lending institutions that appear to be popping out of the woodwork. So in order to find out what is going on, here is some information that you might find helpful, and information that can possibly show you how to get through the various processes and procedures without pulling your hair out!

Basically you have a number of options with car loans today and I am going to put them as simply as I can. You can go to your bank and apply in person. Although it may no longer be the preferred method, it is an option that you can choose. You can go and find the car you like and apply for finance on the spot with the dealers finance company, and this is a popular method of obtaining car loans today, that we will look at in detail shortly.

Another option is the bank online option, where traditional lenders and the big banks have created an online presence to offer their loan products. There are also online lenders of car loans today, that are independent of the big banks and traditional lenders, wherever you apply for a quote through entering specific details, and you are then matched with a loan that suits your individual circumstances and needs.

Then, if that is not enough information to swallow, there are online lenders of car loans today whereby the entire process can be completed online from start to finish, often allowing you the convenience of instant approvals and expedited fund release into your nominated bank account.

Ok, now you can see just how much is going on with car financing today, we need to discuss some of the important considerations you will have to make before selecting the right option.

For starters, let's look at the in-dealers financing system for car loans today. You find the perfect car and you are in love. You may have thought about your finances briefly, but you were more concerned with choosing, or dreaming, about the best color for your new car. Dealerships love it when you come in unprepared like this, in fact, they say a prayer for situations like this. Once they know your heart is hooked, of course finance is no problem – because they can arrange everything for you, including a non-competitive interest rate. If you are physically in the dealership, how on earth are you going to be able to compare the rate they are offering you with some of the other options available in car loans today. Can you see how easily it would be to trap yourself in a loan that does not suit you, or one that that is no benefit to you financially?

Going to the banks is still a good way to obtain a loan, however keep in mind that you will need to set out the time to locate your required documentation, and you may also be required to supply and fax supporting documentation. No real problems there. Banks are still in competition with each other for your business as well, so you should be able to find a loan product with a competitive interest rate.

Now what about online car loans today I hear you ask. Well the truth of the matter is that there are some beauties out there, and then there are some duds that you will want to steer clear of. You will need to determine the authority of the site and the lender before doing business with them. The one thing about car loans today, is the speed of which they can be obtained due to the Internet. If you do not have the time to waste, you can apply online, you can be matched with a lender, and the application and approval process is fairly quick and painless. As with the other loans, you may still need to send or fax some documents, and if you are someone that has been naughty with their credit in the past, with car loans today, you can even find lenders to help you out with this predicament as well.

As you can see, with car loans today you have many options. Now you just need to decide how you are going to get yours!

What Are The Most Important Car Loan Requirements?

Specific car loan requirements will vary from one lender to the next, although as a general rule, there are certain conditions that you will be required to meet, regardless of the loan type you apply for. In order to receive a successful response from your chosen lender, you will be expected to not only meet…

Specific car loan requirements will vary from one lender to the next, although as a general rule, there are certain conditions that you will be required to meet, regardless of the loan type you apply for. In order to receive a successful response from your chosen lender, you will be expected to not only meet the minimum car loan requirements, but you will also be expected to uphold your commitment for the life of the loan.

Car loan requirements are put in place for 2 reasons. They are there to protect the lender in regards to their business dealings with you and the investment they are making, and they are also designed to protect you from possible default by ensuring you have the capacity to repay the loan. Lenders that offer loans without any specific car loan requirements should possibly be avoided, as this will show that they are only out to get your money by locking you into a contract that could have a negative impact on your financial future.

Some of the most common requirements that will be requested by reputable lenders, both offline and online, will include:

· Being of legal age – a minimum of 18 years
· Owning a current and valid drivers license
· Having an active bank or savings account that has been opened for a number of months
· Being employed for a period of at least 3 months
· Receiving a regular income, whether that be weekly, fortnightly or monthly
· Being a legal resident

These are the most basic requirements for the majority of lenders, and keep in mind that there are those lenders that require a lot more information and supporting evidence before they will approve you. Some lenders will require that you visit them in person to discuss the finer details of the loan, others will at least make you fax through your supporting information.

There are a certain number of lenders currently online, who request only the minimum car loan requirements, and although this may be the case, you will notice that these minimums are critical to their decision making and will provide them with enough information to know if they should approve you or not.

It is up to you where you get the finances you need, and you could very well base your decision on the number of specific car loan requirements that have been requested. Perhaps you would like the ease and convenience of applying online with all of your details because you do not want the hassle of finding and faxing documents. Perhaps you would like to apply online and have the lender ring you to discuss your financial needs further. All of these options are available, so you just need to find the one that suits you best.

If you are not sure that you can meet all of the car loan requirements, you can apply for the funds to purchase a vehicle online to see if you are approved, you can request a quote or be matched with a loan product and loan company that is suited to your individual needs. This is a sensible idea and is one way to be certain you can meet the necessary car loan requirements, whilst at the same time, have peace of mind knowing that you will be able to purchase a new or used vehicle, very shortly.

Should Car Loans For 18 Year Olds Be Harder to Get?

I know you are either young or you have a child that has just reached the ripe old age of 18, however it should not mean that you can not have access to the finances you need, for a competitive rate and flexible repayment plan . Young drivers are always getting penalized and when things…

I know you are either young or you have a child that has just reached the ripe old age of 18, however it should not mean that you can not have access to the finances you need, for a competitive rate and flexible repayment plan . Young drivers are always getting penalized and when things go wrong, the first finger always promises to be pointed at you if you are young. Not every 18 year old is a bad or inexperienced driver, and some may even be better than others that have been driving for years, as such, although finding competitive car loans for 18 year olds can be tricky, it is not impossible either.

If you are 18 and you walk into your local bank to apply for the loans to buy a car, you might be lucky if you can find a helpful and understanding bank representative. Sometimes the banks will actually charge a higher interest rate on your loan, however, because of your age. This may not seem fair, but it is how the banks protect their interests when they provide car loans for 18 year olds.

Car loans for 18 year olds who already have a stable job, bank account, regular weekly, fortnightly or monthly income, and a good head screwed on their shoulders, should be made easily accessible and they should not be penalized just because of their age. When applying for specific car loans for 18 year olds, and wanting to do so through the traditional method of walking into a bank branch, you will need to make sure you have all of your required documentation organized. This will show the bank representative that you are mature and at least look as though you are ready to take on the responsibility of a loan. If you are a parent, try and attend the branch with your child, as this will also be seen in a positive light.

If the banks have already knocked you back, or you can not be bothered with the hassle of trying, consider looking for car loans for 18 year olds online. There are many online lenders that are more willing to give young drivers a go, and this is the best way to find the most competitive interest rates on car loans for 18 year olds. You will need to make sure you construct a budget and stick to it, because completing all the repayments, including the interest, on time, will provide you with a credit history building block. Obtaining car loans for 18 year olds can be a positive step towards establishing themselves as an adult and will improve the chances of being a successful applicant for home loans and other large loan purchases in the future.

I guess one important point to remember when you apply for car loans for 18 year olds, is that you should start small when it comes to your first car. You can apply for car loans for 18 year olds and specify the amount you would like to borrow, but keep it reasonable. No 18 year old needs a Ferrari, no matter how much they want one. Apply for an amount that gets you behind the wheel and one that will still leave some money in your pocket for your other expenses – and believe me, there are many different expenses to cater for when you are 18!

Car loans for 18 year olds should be harder to get in certain circumstances, however for the sensible major that want a fair go, they should be readily available.

Obtaining an Antique Car Loan

When you wish to purchase an antique car you are making a sound investment decision. There are a number of different ways to purchase a car that is considered antique, and therefore, you may have different antique car loan needs depending on your individual situation. You may wish to purchase all of the antique parts,…

When you wish to purchase an antique car you are making a sound investment decision. There are a number of different ways to purchase a car that is considered antique, and therefore, you may have different antique car loan needs depending on your individual situation. You may wish to purchase all of the antique parts, in order to rebuild a car that was a beauty in its day, you could be looking to purchase someone's pride and joy, or you could want to purchase a car that will need a reasonable amount of work done to it in order to get it back on the road. When you know what you are after specifically, you will be in a better position to negotiate a good deal on your antique car loan.

There are positives, negatives and things to consider, when it comes to an antique car loan and it is a decision that should not be taken lightly.

Firstly, you would not be driving your antique every day and it may not even be driveable yet, so this means you may already have loans out on other vehicles in your possession. You will need to decide if you can afford to make all of these necessary repayments, including any new antique car loan you are expecting to obtain.

If you are going to build it from the ground up, you will need to work out a pricing plan so that you know how much money to apply for when it comes to your antique car loan. You also need to consider that a lending institution may not think you qualify for an antique car loan that you are going to be building, rather than driving away in. The lender will want to know that they can get their money back just in case you default, so in reality, this is understandable.

If the vehicle is not yet roadworthy, you may also need to factor in the cost of the car initially, as well as any of the parts you may need. There are online lenders that can offer an antique car loan for this purpose, and there are also antique car loan lenders that will not think it is necessary to pry into your personal business either.

The good news is that online lenders who can offer you the funds for your purchase, understand the value in these cars over the long term, so often this will mean that you are actually of less risk to them, than someone organizing regular finances for a car they are driving every day, and one that is depreciating in value. Due to this fact, it is quite possible to get a reasonably competitive interest rate and repayment term on your antique car loan.

The best way to obtain an antique car loan these days is online, simply because this is the direction that the majority of lending institutions are moving. The major banks that we are all familiar with, are offering their services online, as are new lending institutions that are just starting out. Online loans offer savings as well as convenience, regardless of the particular type you are applying for. It is easy to compare rates from a variety of lenders, and it is also a lot easier to read, compare and take note of the terms and conditions.

NRMA Car Loans and Other Options

NRMA car loans can be applied for in person, over the phone, or online. You may prefer to do business in person, or you may be someone that enjoys the convenience of conducting all of your transactions online. Either way, when you need the funds for a new or used car, caravan or motorcycle, you…

NRMA car loans can be applied for in person, over the phone, or online. You may prefer to do business in person, or you may be someone that enjoys the convenience of conducting all of your transactions online. Either way, when you need the funds for a new or used car, caravan or motorcycle, you can take advantage of the services offered by NRMA, or you can have a look online to see what your other options might be.

For those that love the convenience of everything online, shopping for the right loan for a car or other type of vehicle, is easily achievable. NRMA car loans have been an excellent option for Australians to obtain the money they need to purchase a car for many years, and now there are a number of online lenders also offering competitive interest rates and flexible reimbursement schedules. Taking advantage of this competition will allow you to find a great deal for your loan, no matter where you live in the world, or what your individual circumstances and needs are.

When you apply for NRMA car loans, make sure you get the necessary details ready beforehand. You will need recent payslips, bank statements, tax return information for the previous 3 years, information relating to your current outgoing expenses and the total value of all store cards and credit cards. NRMA car loans can be applied for online if you live in Australia and the application process is expected to take approximately 30 minutes. Sometimes you can apply online and request a representative to ring you to discuss your NRMA car loans application and related needs. Do not forget that you will also need to send, fax or take in person, all of the documentation to support your NRMA car loans application. With NRMA car loans there is an application fee applied to each loan, although you can receive a discount if you are an NRMA member within Australia.

If you are not an NRMA member, and you would like to know what other options there are for your vehicle finance needs, you can easily find some options available through online lenders on the Internet. Online lending institutions offer a convenient way to obtain the funds to allow you to purchase a new or used vehicle, even for those with a bad credit history. If you like simple applications, minimal to no documentation, speedy approval process and quick funds transfer, then you should really look further into the options you have available to you through online resources.

Many online lenders offer competitive interest rates, low or no application fees and often do not require for you to make a visit in person, or require you to fax documents over in order to complete the application process. You will be required to meet certain eligibility requirements, such as being over the age of 18, a legal resident, and with a steady and regular income stream, just as is the case for all loan applications, including NRMA car loans. Your country of residence will be a determining factor in the companies you can use, however once you have found a reputable company, the process of obtaining a loan for a vehicle is now a whole lot easier.

Affordable Automobile Financing Simplified

Most people, when they think about financing an automobile, realize that having the ability to pay cash to purchase a new car just does not fit into their pocketbook. And even if you fall into that group who do not consider financing a car as necessary, you do not want to exhaust your total savings…

Most people, when they think about financing an automobile, realize that having the ability to pay cash to purchase a new car just does not fit into their pocketbook. And even if you fall into that group who do not consider financing a car as necessary, you do not want to exhaust your total savings to purchase a new or used vehicle.

If you find yourself in the former group of buyers, then you'll quickly recognize that you'll either be leasing or financing a car purchase. If you finally end up buying, then your auto financing will probably be made through the car dealership, a firm online that offers auto financing, or looking to that deep-pocked relative.

It is very important to get the best deal. To do this, then you'll have to do your auto financing homework. It is better to be prepared than to face the car salesman with unloaded guns.

How do you know if financing a car is the best thing for you to do?

• Is your credit squeaky clean? If not, you may find yourself on the short end of the percentage rate stick. But do not fret. Financing is still a viable option.

• Do you have a budget for yourself? Deciding that you want to finance a car and having the available income to do so is paramount.

• What is your credit score? There are plenty of online sites that will tell you what your credit score is and so armed; you'll know if the dealership is dealing with you from a place of integrity.

But financing a car may be your only option.

So, how do I know if the payment is fair?

Where you live can have a big impact on not only the type of automobile financing available to you but also the percentage rate that the lender will charge you. Rates are all over the map, literally and figuratively, and just because you see one rate highly advertised in print or on TV, does not mean that these rates may be available to you. You need to get the full story.

If you plan on financing a used car, you need to remember that a newer car purchases will offer you a lower rate. The older car in the automobile financing world is not such an attractive animal to the lender.

Another point to keep in the back of your mind is the actual term of the loan; ie, just how long will this loan last? How many payments will you be required to make? Remember again, that the longer the loan, the smaller the payment.

But do not be fooled. Do the math yourself. Are you being gouged in price but it's hidden in the number of monthly payments you're being asked to make?

Although your experience with your car dealership may not be the same, when you have decided that financing a car is the most viable option you have, then make sure that the auto financing institute that you end up going with, has your interests in mind as well.

Can You Still Get The Best Car Loans Even In Today’s Economy?

Can You Still Get The Best Car Loans Even In Today's Economy? You need to find the best car loans. And you need to find them now. The last thing you need is to spend yet another entire day searching through the web of used car financing companies online to learn that once again -…

Can You Still Get The Best Car Loans Even In Today's Economy?

You need to find the best car loans. And you need to find them now. The last thing you need is to spend yet another entire day searching through the web of used car financing companies online to learn that once again – you do not qualify.

You know the scenario.

You fill out all their paperwork and then wait.

Someone will get back to you. So they say.

When they finally do contact you, if they do, you're told that the best car loans you can get are at an astronomical percentage rate. What good is that?

You start to think that all used car financing companies are just a sham. They just farm out your inquiry and the best car loans; well those who go to the other guy.

And it's not just online.

You scan the local papers. You do not even want a new car! A good used car is all you need. All the dealerships claim that they have the best car loans available – but for who? You may have even called and given them your personal financing information. And do they call you back?

Sometimes.

You are starting to feel like a second-hand citizen.

You start to feel used too.

You just want a company that will help you with used car financing. Is it too much to ask? You're not selling your first born. It can be frustrating. It can even make you a little angry.

Does not anyone want your business? Is not there a way to get a car loan; even when you are deemed to be less than the best credit risk?

Just what are they looking for?

You are a responsible person and you do your best to get along in the world; just like everyone else. Maybe you've had a bit of bad luck. Maybe financing a car in your past had a few … blips. But that was then and this is now.

It sees unnecessary.

It was not that long ago that some of the car companies got a bailout. Heck, you've read the papers. Even some of the largest finance companies have gotten their share of bailout money.

But no government agency is knocking on your door.

Why?

“We're sorry. But you do not appear to meet our financing guidelines.”

So you continue to spin your wheels, running here and there, searching for the best car loans but coming up empty.

So what about you?

What's a used car buyer supposed to do?

Gratefully, financing a used car is now easier than ever.

There is still a financing company that will get you the best car loans available.

Getting you a loan for a used car is what they do best.

Trust the experts in used car financing.

At Canada Auto Loans they know just what a person needs and they do everything in their power to make sure that your used car financing is a walk in the park.

The best car loans may be just a click away.

Bad Credit Shouldn’t Keep You From Finding The Lowest Car Loans

You need the lowest car loan available. You've finally saved up enough money and you're ready to buy the car of your dreams. Problem is you have a bit of history. You have what some in the business call – bad credit. Auto loans for you seem a bit hard to come by – right…

You need the lowest car loan available. You've finally saved up enough money and you're ready to buy the car of your dreams. Problem is you have a bit of history. You have what some in the business call – bad credit. Auto loans for you seem a bit hard to come by – right now.

It has become all too familiar.

You've walked the lot. You've scanned the inventory. You've even settled on the color, make and model.

“Come on back to finance and let's see what we can do.”

Your stomach starts to churn.

You'd like the car loan at the lowest payment but you know that you have – bad credit. And soon – they know it too.

“Golly,” they say. “Getting car loans for someone with your credit is not something that we can easily do.”

There is an awkward silence.

“We feel bad that we can not help you.”

You feel the burn.

“We are really only offering our lowest car loan rates to Tier One creditholders.”

You've heard it all before.

So you turn away and start your search all over again.

Getting the lowest car payment seems to be a distant thing. Heck, you do not know if you'll even be able to get the loan.

You are starting to feel like the whole world is against you.

Your bad credit has once again reared its head and kept you from getting the car loan you deserve.

And it is a loan you deserve.

You've really learned from your past and made it a point to stay on top of your finances. You've worked hard to save and in today's economy, that's a really tough thing.

You recognize that not having a car and the mobility it provides is working against you. It is affecting not only your business life but your personal life as well.

Buying private party has its risks. Beside, no one is going to sell you their car private party and let you make payments. You need to be able to arrange financing. You make enough money. You've worked it all out on paper. If you can get a car loan with the lowest interest rate out there, making the payment will be a breeze.

But your past is still haunting you. Bad credit has a way of sticking around – longer than you'd like and getting a car loan seems to be slipping further and further away from your grass.

Gratefully, getting auto loans for bad credit risks is now easier than ever.

And there is a company that will work with you to make sure that the lowest car loan payment is at the other end of the deal.

At Canada Auto Loans they have the experience to deal with those of us that have bad credit. They will treat you with respect. They understand.

They have earned their reputation as a company that looks at the big picture and not just at the numbers.

Your lowest car loan is a click away.

Auto Loans – How to Get the Best Deal

We had an outstanding response to our last show, when we interviewed an experienced insider from an Auto dealership. We received lots of emails as well one special call I have to tell you about. A girl called in and she was at a car dealer ship, trying to negotiate a deal. The finance department…

We had an outstanding response to our last show, when we interviewed an experienced insider from an Auto dealership. We received lots of emails as well one special call I have to tell you about. A girl called in and she was at a car dealer ship, trying to negotiate a deal. The finance department was quoting her a pretty high payment she felt was unfair.

We quickly checked her credit and were able to tell her that she only had two late payments and based on her score she should not pay the rate they were charging. She qualified for a much lower rate and she went right in and changed the whole deal around in her favor. What a great feeling to make that kind of difference in someone's life.

More and more we realize that having and using credit is a NECESSITY not a luxury. The credit reporting bureaus have good news and bad news. The bad news is Fico says that 43.5 million Americans have a credit score of 599 or less. The good news is recent figures show more Americans are raising their scores over 720. It's all in how well you know and use the system.

It is worth the small investment of your time and money to get the professional help you need to get control now. Do not be embarrassed, you need to have credit, it's no longer a luxury. In the current market getting prepared early will pay off big time in the long run.

Right now it's very difficult to get a loan or a new credit card. In two or three years from now when the banks start lending again, will you be getting offers for the best rates, or will you be scrambling around to start fixing up your scores?

These are a few things you can do now to improve your scores

  • Add trade lines
  • Get a secured credit card, use it responsibly.
  • Do not pay your whole balance off each month. Credit is based on the use and repayment of credit.
  • pay your bills on time

Open Season on Car Buyers

Under the new consumer protection laws, car dealerships are exempt from the same oversight as the banks and credit unions. Because of this, you the consumer have become an even larger target than before. The car dealerships do not have to comply with new lending industry reforms and guidelines. Since they provide the largest percentage of loans, how “protected” are consumers? We put together four basic things that you can do to protect your self and get the best possible deal.

Four things you should do before stepping into the showroom …

  • Review your credit report.

We can look over your report even if you have good credit, and give you an idea of ​​what you can qualify for before you go in. You'll have a better handle on how much your payment should be and how much you can afford.

  • Apply for credit from a credit union or local bank.

Get pre-approved. Community banks and credit Unions can be very competitive on interest rates, and it may get the dealership to try to beat the rate you walked in with.

Our insider said the sales team loves it when a customer comes n with pre approved financing. It shows that they are serious customer ready to purchase a vehicle.

The finance department is not usually so happy because they have to approach the whole deal in a different way. If the consumer is strong and prepared then they control the deal. ”

  • Set your own limits on borrowing

Do not get talked into anything longer than four year loan

Keep payment down to 10% of your income.

  • Say no to yo-yo financing.

Get an approval slip! Make sure the loan is really approved before you go drive off in your car and leave your trade in behind. Never buy on “condition of financial approval.”

What can happen is the financing can fall through. The dealership will call a few days after the sale and say that and you were not approved. Then they say they can get you financing but it's going to cost more.

If you can not afford the new offer, you may want to reverse the deal. But guess what? Your trade in was already sold so now you're out two cars with no recourse. So be careful with your financing and be sure it's a done deal!

You may choose to explore the option of leasing. It can be a good way to still get to drive a new car without the expense. If you do decide to lease, do not sign a lease lasting longer than 36 months. Leases usually come with a great warranty and maintenance program. It is less expensive, just watch that you do not go over the mileage limit for your particular agreement.

Buying a pre owned vehicle is a totally different process. No two pre owned cars are the same. The auto industry insider that we interviewed recommended taking a look at the different certified cars on the market. “Certified” means that they are pre owned but they offer a warranty from the car maker and are inspected thoroughly before being resold.

Shopping on line takes some of the emotion out of the process and eliminates the sensory overload that happens when you go to a showroom and sit in, or drive different vehicles. You should narrow down your search and only test drive your top three choices.

Take the stress out of buying a car. Have the proper financial tools and information in hand before you head out to a dealership! Use the internet to shop for cars, reputable dealerships, the lowest rates and alternate lenders. Get your financing pre approved, get the best deal!