Your days of calling taxis and bumming rides may be coming to an end. You’re about to get your own set of wheels, and that’s exciting! This is a big purchase, but Robins Financial can be your partner in helping you make smart decisions that fit your needs. The first step is to figure out what you can afford. Be sure to check out our online calculators to help you figure this out, and don’t forget about ongoing costs like insurance, gas, and maintenance. The larger your down payment, the lower your monthly payment – and total costs – will be. So consider saving up a larger down payment. Before you hit the dealerships, get pre-approved from Robins Financial. Pre-approval has a few big time advantages: You’ll get a realistic sense of financing, including the interest rate you will qualify for, and you’ll know what your monthly payment will be. It will also help you focus on the negotiation rather than on financing details, and it will show the dealer you are a serious buyer. Robin’s Financial offers a special First Time Auto Loan Program that can get you a great competitive rate. Before going to the dealer, do some research online. Find out what’s in your price range, and learn what options affect the pricing. Read as many reviews as you can find from trusted sources like Edmunds and Motor Trend Magazine. Once you’ve got your loan pre-approval and your research in hand– you’re ready to shop. Of course, this is more than just “kicking the tires” Go on a test drive, preferably on a route that includes both city and highway driving. If it’s a new car you’re buying, get quotes from multiple dealers. If it’s a used car, doing research on similar vehicles will be especially important. There will be lots of paperwork when you close the deal, so make sure you have a good sense of what you’re signing, including what types of warranties may be included. And soon you’ll be on your way! Your first car is a big purchase, but Robins Financial can help prepare you to find the right vehicle and make it yours! For more information, call, click or visit any of our branch locations.