Synchro246
New member
I'm gearing up to purchace a "new" car. It will be my first time doing it (my dad bought my current car for me from a friend while I was in college).
I'm a little scared of the process. (I feel like a spaz who is scared of everything lately)
Anyway,
Are there sales at certain times of year, every year?
I would like to get 0% financing (I'm pretty sure our credit is good enough)- is there a time of year to expect that sort of offer?
If that doesn't happen; does a bigger down payment make for a lower interest rate?
How do I estimate how much I can afford (realistically)? I have never had a car payment before. Right now our income exceeds ALL our expenses by $400-$600 a month. How big of a payment is Ok for us?
I'm going into this with a relativly short list of acceptable cars (based on safety info alone) and I want to really check each of them out in person to see if they would meet our needs as a growing family (right now we have one kid going on two, with plans in 5ish years to add numbers 3 and 4).
What should I take into consideration when looking at features and such? Is leather worth the extra cost?
ANY tips whatsoever are appreciated.
I'm a little scared of the process. (I feel like a spaz who is scared of everything lately)
Anyway,
Are there sales at certain times of year, every year?
I would like to get 0% financing (I'm pretty sure our credit is good enough)- is there a time of year to expect that sort of offer?
If that doesn't happen; does a bigger down payment make for a lower interest rate?
How do I estimate how much I can afford (realistically)? I have never had a car payment before. Right now our income exceeds ALL our expenses by $400-$600 a month. How big of a payment is Ok for us?
I'm going into this with a relativly short list of acceptable cars (based on safety info alone) and I want to really check each of them out in person to see if they would meet our needs as a growing family (right now we have one kid going on two, with plans in 5ish years to add numbers 3 and 4).
What should I take into consideration when looking at features and such? Is leather worth the extra cost?
ANY tips whatsoever are appreciated.