Two payment options - You have two payment options: paying in full or financing over time.

Financing increase cost - Financing increases the total cost of the car because you’re also paying for the cost of credit, including interest and other loan costs.

Calculate - You must consider how much money you can put down, the monthly payment, the loan term, and the Annual Percentage Rate (APR). Rates usually are higher and loan periods shorter on used cars than on new ones.

Shop around - Dealers and lenders offer a variety of loan terms. Shop around and negotiate the best possible deal.