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How do I afford a car without a car loan?
I want to get a car, but I don't want to have to take out a car loan. Any tips for affording a new car?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you want to hop into the driver’s seat of a new (or new-to-you) car without taking out a
car loan
, it’s not as difficult as you might think. The easiest thing to do is to choose a car that fits your budget. Depending on your finances, you may be limited to used cars.You might want to bring home that 2022 Audi—and a lender might try to tell you you should—but you can find a fun, high-performing vehicle for much less. Decide on a vehicle, then set a savings goal. Then, go loan-free by paying cash or paying in full at the dealership.
A few things to remember if you’re buying a used car:
- Review your state’slemon laws
- Have the car inspected by a trusted mechanic
- Test drive the vehicle
- Ask for maintenance records
- Ask why they’re selling the car
- Get a CarFax report
Taking these precautions can help you avoid a rip-off.
If you’re looking to save money on all your car-related expenses, use
Jerry
to find a cheap car insurance policy. Compare dozens of competitive quotes and register for your new policy in-app.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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