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Guest post by: John Clark Become an Author

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Other than buying a home, buying a car is one the biggest purchases you will make in your life. It is a large investment and hopefully something that you will be using for several years. Car salesmen make a living off of talking you into spending more, so be careful when you step out onto the lot. Optimally, you will buy your car cash in hand. This is not the case for many car buyers, however. If you are one of the many who need to take out a loan to purchase a car, do so very carefully. Taking a loan can be a huge waste of money. If you are borrowing money from the dealership itself, do so with caution, as the dealership makes the most money from financing. Be sure to check out all of your options, getting quotes from local banks, credit unions, and even family members if possible. Borrow the lowest amount of money you can and find the lowest interest rate and the shortest term. One great way to save is to wait until the end of the model year to buy a new car. By the end of the year, dealerships are pushing to fill their quotas, so you can find great prices on new cars. Do not wait, though, until the end of the year to do your research. Used cars are also a great way to save thousands on a new vehicle. Certified used car programs are becoming more and more common, so buying used is becoming a more viable option.

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