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The Most Important thing about buying a car : Actual True Car Situations that I deal with on a daily basis
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The Most Important thing about buying a car

by The Car Man on 06/24/11

When you walk into a dealershipto purchase a car what is the most important thing to you? The color of the car, the size of the car, the sports car or family car.These are some of the examplesof what is important to the average consumer. The most important thing to you should be the money aspect of the car. The monthly payment is something that you must carefully calculate. Most people just calculate the payment only but you must figure out what your monthly insurance payment is and how much it will cost you to put gas in your car. After you do all that figuring you will be surprised how much your more of a  car payment you will have.

The 2nd thing you must figure out is the resale value of your car. It is very important to know what your car is worth when you decide to trade it in . This is so important that if you miss calculate this it can cause you to be stuck with a car for a lot longer.because you will be so far upside down. Always do your research on the cars that have good resale value. Certain cars to avoid are : discontinued cars and high mileage cars. When you do your research you will be able to see which cars will be better for you.

The last thing and maybe the most important thing is what are your finance terms. As mentioned earlier the monthly payment is important but the actual length of the contract and the interest rate are just as important. The finance term along with the interest rate will determine your long term obligation and the amount of money you pay. YOUR NUMBER ONE OBLIGATION IS TO GET THE LOWEST INTEREST RATE. The finance charge is all the extra money added to your car laon that the bank makes for loaning you  the money. Lastly don't fall in love with a car, fall in love with finance terms that will have the best affect on you.

The Car Man  

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700 and Above – Very good to excellent

680 to 699 – This credit score puts you in the ” Good / Fair” category. That one point between good and very good to excellent credit generally makes little difference to lenders.

620 to 679 – If your credit score falls into this range, you fall into the “Okay” category. The closer your score is to 679, the better. 620 is considered to be a “par” credit rating.

580 to 619 – While you aren’t in the “Bad” category yet, you are teetering on the edge if your credit score falls in this range. 620 is the prime rate cut-off.

500 to 580– You can still get credit in this scoring range. More information may be required.

499 and below – Yes, even with as score of 499 or below you can still be extended credit. More information may be required.
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