Know Your Credit Score
Your credit score has a big impact on your car loan rate and your ability to get a loan. If you aren't sure what your credit score is, it's time to find out. Once you know your score, you can start making financial adjustments to raise it, if needed.Set a Budget
Know your price range before you head to the dealership. This can give you a good idea of what range you should be looking in. Your budget can have a direct impact on the year, style, and mileage of the vehicle you can afford. This price range can help lead your search as you won't want to fall in love with a vehicle you simply cannot afford.
Make a List of Car Features
Once you get ready to go car shopping, think about the features you do and don't want in a ride. If you want a certain color or feature be sure to let your salesperson know this information. They can help point you in the right direction and give you options for rides that have your list of required features and attributes.Test Drive Vehicles
Once you've narrowed down a few vehicles in which you are interested, it's time to take a test drive. It's important to get a good feel for the vehicle. You can test out how the seat fits, how the vehicle handles, and how you feel driving the ride you are interested in. Test driving can help you further narrow down your ride of choice.
Apply For a Loan
Once you know what you want, it's time to apply for a car loan. Our finance department can help guide you through the loan application process. You'll need to provide some personal information to see if you qualify. No matter what your credit situation looks like, we can help you find a loan that works with your unique situation.
Line Up Insurance
As you are finalizing the purchase of your vehicle, you'll need to provide proof of insurance. Have this information in mind as you are seriously looking to purchase a vehicle in mid-Missouri. At this time, you can shop around for insurance for your new ride to get the best rates possible.Think About All Costs
Your monthly payment is not the only expense that goes hand in hand with buying a new vehicle. When it comes time to register your vehicle with the DMV, you will need to pay sales tax on your purchase. You will also need to get new tags for your ride. If you choose a vehicle with different fuel efficiency that you are used to, you will need to work the increased gas prices into your budget, as well.Now that you know all about these tips for buying your first car in mid-MO, you're ready to start car shopping. Stop by Spieler's Incorporated to check out our current selection of vehicles. One of our salespeople can help you find the right ride for your wants and needs. We look forward to helping you find the perfect new ride!
Proudly Serving the Columbia,
Jefferson City, and California, MO Areas
California, MO 65018
(888) 455-2107
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