: Get an independent appraisal for your current car before going to the dealership to ensure you're getting a fair price. What are some tips for when buying a car from a dealership?
: Use resources like Kelly Blue Book (KBB) or Edmunds to find the actual market value of the car.
: Negotiate based on the out-the-door (OTD) price , which includes all fees, taxes, and registration, rather than just the monthly payment.
: Compare rates from outside sources like Scott Credit Union or other local banks and credit unions before visiting the dealer.
: A new vehicle typically costs about $1,000 per month to own and operate when accounting for fuel, insurance, and maintenance. 2. Secure Financing First
: In 2026, many buyers are seeing a return to physical buttons over all-touchscreen interfaces.
: Aim to put 20% down , finance for no more than 4 years , and keep total monthly vehicle costs (payment plus insurance) under 10% of your gross monthly income.