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Buying a Vehicle

Purchasing a vehicle can be an overwhelming task. There are some things you should do before you arrive at a dealership. Do some research:

• Determine how much you can afford to finance and spend on a monthly payment.
• Get a copy of your credit report so you are aware of what creditors will see. A free copy of your credit report is available at www.annualcreditreport.com or you can call toll free: 1-877-322-8228 or for hearing impaired consumers, TDD service at 1-877-730-4104]. Errors or accurate negative information can impact your ability to get credit and/or your finance rate.
• Don' t spend more than you can afford. It is easy to get carried away.
• Know how much your trade is worth (if you have one) and know the value of the vehicle you are purchasing. Information can be found in auto buying guides, the Internet, your bank, and other sources.
• Compare current finance rates being offered by contacting various banks, credit unions or other lenders. Compare bank quotes and dealer quotes and know any limitations on the rate (e.g., only available on late model cars)

Important Buying Tips

• Check to see if the car comes with a warranty and, if so, what the specific protections are that the dealer or seller will provide. Remember, if you buy a car " as is" and have problems with it, you must pay for any repairs yourself.
• Ask to have the car inspected by an independent mechanic, or arrange an inspection yourself before you agree to a purchase.
• Contrary to popular myth, neither state nor federal law gives consumers a right to cancel a car purchase.
• Make sure you get any promises made by the dealer or seller in writing (for example, to replace a broken tail light). Verbal promises are difficult to enforce.
• Ask whether or not the dealer or seller offers an extended warranty or service contract. If you decide to purchase a service contract, make sure you understand what it covers and how long it will last.
• Inquire about any prior damage to the car and its repair history. Don' t automatically accept the seller' s response as accurate.
  
• Always test drive the vehicle.

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