How to Buy a Car

Is it time for you to buy a car? Congratulations, if you answered yes to that question than you have already completed the first step. You have a need, a new vehicle, and now we are here to address it. But there are several questions that you must ask yourself before you are ready to purchase a vehicle, such as:

  • What can I afford as a monthly payment?
  • Do I have a down payment saved?
  • Do I know the value of my trade in vehicle?
  • Do I know what my credit score is?
  • What needs do I have, that must be addressed by my new vehicle?

Do you know what you can afford as a monthly payment? This is a different number for every person, but you should have an idea what you can realistically afford to pay every month. If you aren’t sure you can keep a chart, excel document, or write on a piece of paper, to keep track how much you make every month, and how much you spend.

Typically, people make a chart like this and only track their bills, but it is important to include money you spend on groceries, gas, eating out, or any other activities. You may be surprised at how much you spend on certain things when you don’t keep track. Create a budget, and stick to it! Once you know what you can afford, you are ready for the next step.

 Create a budget, and stick to it!

Do you have money set aside for your down payment, or know the trade in value of your current vehicle? Remember, the more you put down, the less you will have to finance, which means the lower your monthly payment will be. Black Book may be able to help you find out what you current trade in is worth, so that you have an idea of how much trade in value you have. Why use Black Book? The short answer is, it’s what the dealerships use.

This is that awkward moment when we talk about the big “CS.” You know what I mean, do you know what your credit score is? You should be monitoring it already, but if not, do not fear! There are many sites such as and that, once you verify your identity, can give you a free credit report. Or you if aren’t ready to brace yourself for the truth just yet, Black Book also has a credit estimator that will point you in the right direction.

Generally speaking, the better your credit score is, the lower your interest rate will be, which means the lower your monthly payments. Some dealerships may not finance you, or the interest rate skyrockets if you are lower than Tier 3, which is a credit score of 650.

We are making progress! Pat yourself on the back! Okay, so we know what our down payment is because we have a savings account and know the value of our trade in. We also monitored our expenses and know exactly what we can realistically afford as a monthly payment, and we have verified that we have the credit score needed to purchase a vehicle.

Now we have to ask ourselves another critical question; what needs do I have that need to be met by my new vehicle? Lets be honest, not just any car will do! You have to prioritize your needs, your desires, and your budget. The new vehicle has to be perfect for you! Car buying is a very big decision in your life, and should also be a pleasant experience.

Lets be honest, not just any car will do!

Here comes the fun part, car shopping! Every prospective car buyer has different needs, make sure you do the research for those which apply to you, for example, if a vehicle has a tow package, which inflates the price, you may not need to be towing anything, and would be wasting your money. On the other hand, if you have four children a compact vehicle may not be in the best interest of you and your family.

Now you have picked the perfect car, and you have your heart set on a Scion tC! It’s practical, sporty, fun, and comes with Toyota’s STAR safety system! Your car buying experience has just begun! Next you pick a dealership and schedule a meeting with a salesperson for a test drive, ALWAYS TEST DRIVE! So you come in to Scion of Escondido, you take a test drive and you love it!


Now there are a thousand thought swirling around in your head:

  • Am I going to get a fair price?
  • Can I get it cheaper somewhere else?
  • Do I have to do battle with the sales team?

But luckily for you, you remember you are at a Scion Dealership! Scion has Pure Price, which means the price you see is the price you pay. No haggle, no hassle, it’s the Scion way!

The paperwork is quick and painless, because you came prepared thanks to reading this post, and didn’t have to do battle with salespeople! It is the best car buying experience you have ever had and you cant wait to tell your friends! And before you know it you are driving off the lot with the Scion tC of your dreams…. which in this blog, is a black one with Rockstar wheels!

Want to check out some other vehicles, you know, for your research? Check out these recent related blog posts:

How have your car buying experiences been? Have you had the pleasure of purchasing a vehicle with Scion Pure Pricing? What strategies do you use to prepare for buying a new vehicle? Did we miss a step? What do you do to prepare for such a big purchase?

NOTE: The Scion tC pictured has been sold. However please browse our inventory for other modified Scion vehicles that you may be interested in.


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