Guide 5. An overview of car buying

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So it's time to buy a car and you're not exactly sure where to start. Navigating the world of car sales can be overwhelming to say the least. That's why we're going to give you the tips and tricks you need to know to make your car purchase a successful one.

How Much to Spend
The first thing you need to figure out when buying a car is how much you can afford to spend. If you haven't already, you should be applying for a car loan with a broker. He or she will be able to help you determine how much money you will be able to spend on your car and will let you know how much your monthly payments will be.

Finding the Car You Want
When deciding which car is right for you, take a look at your lifestyle needs. If you're a father with a family of four you probably don't need a two-door sports car. Decide which car best suits your needs and once you get to the dealer, don't let the salesman try talking you into something that doesn't fit your lifestyle. You're the one who is going to have to live with the car, not the salesman.

Negotiating the Sale
In case you didn't already know it, the rule of thumb when buying a car is that you never pay the price on the sticker. There is usually always room to negotiate when you're purchasing a car and car dealers are known to play games with numbers. Research the car you want to buy before you go to the dealer and find out how much the car is really worth and what you want to pay for it. Then when you walk into the dealer, keep that number in mind and don't let the salesman talk you into paying more. If that dealer won't sell you the car for the price you want to pay, there's likely to be another dealer that will.

Financing the Car
It's better to have your financing arranged before you go into the car dealership. You don't want to be dependent upon the salesman for your car financing. If you go into the dealer with your cash in hand it will give you more negotiating power. Financing your car before going to the dealership is easy when you work with a reputable and experienced loan broker.

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