Before The Test Drive

When buying a new automobile, it's sometimes tempting to let your senses take over. You see the new-car shine, touch all those new-car gadgets and smell that unmistakable new-car smell and you lose all reasoning. Here are some tips that can help you keep that excitement in check and get the facts before sliding into the driver's seat.

Do Your Homework
Before stepping foot on a showroom floor, you need to do some research. First, decide whether you want to buy a brand-new, nearly new or used car. The nearly new car is a two- to three-year-old vehicle that has been returned at the end of a lease. They are usually in good shape and have some of the manufacturer's warranty left. Once you've decided on the type of vehicle, visit your local library where you'll find reference books, such as Consumer Reports Annual Buying Guide, on previous- and current-year models, as well as comparisons in auto magazines annual buyer's guides. If you have access to the Internet, you can check the Web sites of most auto manufacturers, too. You'll find information on features, options and pricing with any of these references.

Determine What You Can Afford
Once you've decided what you want, the next step is to determine if you can afford it. Begin by figuring the total costs of ownership including fixed items such as the estimated monthly payment, insurance, license fees, registration and taxes. And don't forget about costs such as gas and regular maintenance. Once you've figured out what you can comfortably afford each month, you're ready to talk financing.

We're Your First Stop For Financing
We can help you finance your new or used vehicle. You may even be able to take advantage of our automatic payment programs in which your payment is automatically deducted from your account. Call or stop by to visit with one of our loan department representatives today.

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