YOU ARE NOT ALONE...

Want to buy an automobile but aren't exactly sure where to begin?

There are so many options available that it can become quite confusing & frustrating for the consumer. You're not alone.

At autoXcite.com we have outlined some practical steps that should help simplify the entire process of purchasing an automobile.

Many consumers make the mistake of shopping first seeking the vehicle want to own and then trying to figure out the financing to match (how to pay for it).

In our humble opinion, to coin the phrase, that is "putting the cart in before the horse". It's probably better to know the budget before beginning your automobile search.

If you know you'll be financing and have come to terms with what you can afford on a monthly basis, you'll also need to know the specific details of financing (other than just payment).

If you're only concern is a final cash price (especially if there is a trade involved), and you still wish to save time and money, there is work yet to be done.

It's a good practice to follow some basic principles in your automobile purchase. We've taken the liberty to outline the basics for you.

Let's start with some question you may wish to consider, one step at a time...

(Your) Terms of Purchase

How are you making the purchase?

Will you finance (borrow)? If so, you'll want to know what interest rates you qualify for. The rate will vary depending on length of the loan; amount financed; your FICO score; the year of the vehicle; and so forth.

Manufactures will often times have special financing rates that will beat most banks.

It would be a good idea (at the very least) to know exactly what the manufacturer is offering that month.

Note: many dealers and manufacturers offer factory rebates, cash incentives and/or a special finance rate (what they term "buyer incentive programs"), though you may sometimes be limited only one incentive as a buyer, depending on the terms of the incentive

To continue on to Terms Of Purchae (page 2)