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However, that choice increases the total cost of your auto loan and usually leaves you ‘upside-down’ (meaning you owe more on the vehicle than it’s worth) for years to come.

The terms of your auto loan will determine how much you pay now and how much the auto loan costs overall. Remember that a low cost now may not mean low total costs for you in the big picture.

Diligent budgeters already know this, but I don’t run into very many diligent budgeters. Track your budget any way you like (Microsoft Money is a good tool or build your own system), and then find out ...

One of the first things you should do before applying for an auto loan is review your credit. All US consumers are entitled to a free credit report, so use this resource.

Unless you have cash in hand, you’ll need some type of auto loan. Follow these six keys to a great auto loan and you can ride around knowing you got the best deal.

It’s always a delight to get the keys to a new car. For most, the only challenge is paying for the car.

Things change in life and flexibility is important. Your auto loan should also be flexible. Find a lender that will allow you to make extra payments or pay off the loan entirely without any penalties.

By consulting with an alternate lender before stepping onto the lot, you’ll be armed with knowledge of what’s fair -- and you may have some bargaining power.

Check with a credit union, bank, online lender, or P2P lending source. In most cases your car dealer won’t have the best auto loan.

This is simple but it is often overlooked. The most important point here is that you don’t have to get your auto loan from the dealership.