The Car Buying Guide
Walk into the dealership prepared. Set your budget, line up financing, decide lease vs buy and new vs used, then protect your purchase.
8 guides · 2 related calculators
How to Buy a Car: A Step-by-Step Guide (2026)
Buy a car the smart way: set a budget, get pre-approved, research, negotiate the out-the-door price, and review the financing. A step-by-step guide for buyers.
Read the guidePlan your budget
How Much Car Can I Afford? (2026)
The 20/4/10 rule says: put 20% down, finance for 4 years or less, and keep total car costs under 10% of your income. Learn how to set a realistic car budget.
How Much Should I Put Down on a Car? (2026)
A common guideline is 20% down on a new car and 10% on a used car. Learn why a bigger down payment lowers your cost and helps you avoid being underwater.
What Is a Good APR for a Car? (2026)
A good car APR depends mostly on your credit score, plus whether the car is new or used. Learn typical rate ranges by credit tier and how to get the best rate.
Lease, buy, new or used
Lease vs Buy a Car: Which Is Better? (2026)
Leasing means lower payments and a new car every few years but you never own it. Buying costs more monthly but is cheaper long-term. See which fits you.
New vs Used Car: Which Should You Buy? (2026)
A new car offers the latest features and a full warranty but loses about 20% of its value in year one. A used car is cheaper. See how to decide between them.
Protect your car
How Does Car Insurance Work? (2026)
Car insurance combines liability, collision, and comprehensive coverage. Learn what each does and what 'full coverage' means for a financed car.
What Is Gap Insurance? (2026)
Gap insurance covers the difference between what you owe on a car loan and the car's value if it's totaled. Learn when you need it and when to drop it.