A Card | Buy

: Obtain financing from an outside source like a credit union or bank (e.g., Scott Credit Union ) before you shop. This gives you a baseline interest rate to challenge dealer offers. 2. Choose Between New, Used, or CPO

In 2026, the gap between new and slightly used cars has narrowed due to high resale values and aggressive new-car incentives. buy a card

: Experts recommend putting at least 20% down , financing for no more than 4 years , and keeping total monthly costs (payment + insurance) under 10% of your gross income . : Obtain financing from an outside source like