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Do you want to purchase a new or used vehicle? Part Of Buying a Car In this series Buying a Car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content. This allows you to conduct your own research and compare data for no cost and help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that are advertised on this website are provided by companies that compensate us. This compensation could affect how and when products are featured on this website, for example the order in which they may appear within the listing categories and other categories, unless prohibited by law for our loan products, such as mortgages and home equity, and other products for home loans. But this compensation does have no impact on the information we publish, or the reviews you read on this site. We do not cover the entire universe of businesses or financial deals that might be available to you. Peter Cade/Getty Images
6 min read . Published on December 1, 2022.
Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers to navigate the ins and outs of securely borrowing money to purchase a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping their readers gain the confidence to manage their finances with clear, well-researched facts that break down complicated subjects into digestible pieces. The Bankrate promise
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They ensure that what we write ensures that everything we publish is accurate, objective and reliable. The loans reporters and editors focus on the things that consumers are interested about most -- different types of lending options as well as the best rates, the top lenders, how to pay off debt and many more -- so you'll feel safe making a decision about your investment. Integrity in editing
Bankrate has a strict policy and rigorous policy, so you can rest assured that we put your interests first. Our award-winning editors, reporters and editors create honest and accurate information to aid you in making the best financial choices. The key principles We respect your confidence. Our mission is to provide our readers with reliable and honest information, and we have standards for editorial content in place to ensure this is the case. Our reporters and editors thoroughly verify the truthfulness of content in order to make sure the information you're receiving is accurate. We keep a barrier with our advertising partners and the editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence Bankrate's editorial team writes on behalf of YOU the reader. Our aim is to offer you the most relevant guidance to make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content isn't affected by advertisements. Our editorial team is not paid direct compensation from advertisers, and our content is thoroughly verified to guarantee its accuracy. Therefore whether you're reading an article or a review it is safe to know that you're getting reliable and dependable information. How we earn money
You have money questions. Bankrate has the answers. Our experts have been helping you manage your money for more than four years. We continually strive to provide consumers with the expert advice and tools needed to be successful throughout their financial journey. Bankrate adheres to strict standards , so you can trust that our information is trustworthy and precise. Our award-winning editors, reporters and editors create honest and accurate content to help you make the best financial decisions. The content we create by our editorial team is objective, factual and uninfluenced through our sponsors. We're honest about how we are in a position to provide quality content, competitive rates, and practical tools for you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the promotion of sponsored goods or services, or when you click on specific links on our site. Therefore, this compensation may influence the manner, place and in what order products are listed, except where prohibited by law. This is the case for our mortgage, home equity and other home loan products. Other factors, such as our own rules for our website and whether or not a product is available in your area or at your personal credit score could also affect the way and place products are listed on this site. We strive to offer a wide range offers, Bankrate does not include the details of each financial or credit item or service. It's the decision millions of car owners take each year: Should you purchase a brand-new car or choose to purchase an older car to save money? Making the decision between that brand-new car smell or a pre-owned vehicle comes down to more than just price -and it's a significant aspect. Driving new costs $716 per month, while the used averages at $526, according to Experian's figures for the fourth quarter of 2022. If you are trying to lower the cost of your initial purchase, a second-hand vehicle is an excellent option. But , you'll have to think about the cost over the life of ownership, which includes maintenance and repairs. You may find that buying new is the best option to save money. The most important thing to remember
A new purchase is a good choice if you are looking for the most modern features and cheaper initial maintenance costs. A used purchase might be better when you're willing to compromise certain features in order to save money on the initial purchase and insurance.
Compare the costs of new or. used cars There are many options to scope out your purchase, whether brand new or pre-owned. There are new cars available at local dealerships or by searching on sites such as or Edmunds. Used cars are offered through dealerships, however, they are also available -- potentially cheaper -via independent dealers, private-party sellers or superstores such as . In general the case of used cars, they are less expensive than new cars. But both have increased dramatically in cost over the past few years. New car payments have jumped from a monthly median of $554 in the year 2019 to $667 in 2022, an 18.5 percent difference. Also, used cars experienced a drastic jump from an average of $391 to $515 and which is a 27.4 percent difference. In order to be prepared for the cost of owning a carwhether it's new or used- and can give you an idea of costs for purchase and five-year maintenance costs. Here's a price breakdown from Edmunds for a brand-new Honda Accord versus a used one. New 2022 Honda Accord EX-L
Used in 2017 Honda Accord EX-L
Typical listing price
$35,338
$22,895
Estimated monthly payment
$668
$449
Estimated first year of ownership maintenance expenses
$140
1 371 monthly installments are built upon the average rates of interest for both new and used vehicles in Q1 2022, and a 60-month term. Repair and maintenance expenses for during the initial year is according to Edmunds. Price should not be the only aspect you consider when selecting the right car. It is also important to consider depreciation, safety features, reliability and your preferences. Considerations when buying a new car. A brand-new car will require less maintenance that is based on the most recent technology. Benefits of purchasing a new car is equipped with a range of features -- many of which you get to pick when you locate the right dealership. Customization: One of the main benefits of buying a new vehicle is that you can have it customized to suit your needs and preferences. You can choose the color and style you like and add any additional features that appeal to you. Modern technology: There are practical advantages too -- you will get a car that is equipped with the latest technologies and safety features. More favorable interest rates: When you make an investment in a brand-new car you're also more likely to get an interest rate that is better for an auto loan as opposed to buying a used car typically by a couple of percentage points. Reliability: You won't have to worry about any issues with your mechanical system when you buy new. Additionally, it will reduce the amount you spend on repairs and maintenance in the initial year of your ownership. Pros of buying new purchasing a brand new car is more costly and has some disadvantages that could eat away at your pocket. More expensive The newer cars are usually many thousands of dollars more expensive than their predecessors that are used, which can cause a down payment or monthly loan payments harder to afford. Also, you'll have depreciation to consider the rate at which your car loses value. As the saying goes, new cars lose value as soon as you drive them off the lot. that new cars lose 20 percent of their value within the first year, and depreciation continues throughout the first 10 years of ownership. Costs for insurance are higher Newer cars are generally more to insure due to their greater risk of theft, greater value and other related aspects. If you do think that this is the best option for you, you should make sure you plan your budget and be aware of . Making the right decision about when to buy your car and can reduce some upfront costs. Considerations when buying used Used vehicles typically have the lowest price and appreciate more slowly, however they also have other flaws to look out for. Advantages of buying used a used vehicle, you can save money on the monthly payments, insurance, and other costs. Furthermore, depreciation may occur at a slower pace. Have a look at these key benefits below Cheaper The primary advantage is that they're generally less expensive than their new counterparts. The same model you're looking for a few years old could help you save a couple thousand dollars. Reduced insurance costs and fees A lot of pre-owned cars have lower , titling fees and sales tax. It can save you money on the lot and over the course of the car's lifespan. A slower depreciation rate: Older cars also depreciate slower. Instead of losing 20% of its value within the first year of ownership, a three-year-old car would likely only lose close to 10. The negatives of purchasing used could necessitate you to alter your priorities for your next ride and research the history of the car and put aside money to keep the car in good condition. Making compromises: You will have to search to find the style, color and you're looking for. Even then you could need to compromise. The market for cars is highly competitive and you might be unable to tick every box. Car history: You'll have to also check the car's maintenance records to ensure that the previous owner took good care of it. It's wise to bring the vehicle to a trusted mechanic for a checkup -which includes a brake inspection and engine test before concluding any deal. You can expect to pay about $100 for the work of the mechanic however, it's worth it. More expensive maintenance costs even if your car is in decent condition, a used car will require more repairs and maintenance in the future. This could eat into the savings you make from your initial purchase, so consider your long-term budget when deciding between new versus used. If you are trying to reduce the cost of your first purchase, a used vehicle is a great option. But , you'll have to consider the costs throughout the duration of ownership that includes maintenance and repairs. Certified pre-owned alternatives If you're thinking of buying used but are hesitant about relying on the history of the vehicle it's an excellent option. A certified pre-owned vehicle is one which has passed a rigorous inspection by the dealership or the manufacturer. They are an intermediate between used and new vehicles in terms of upfront price since you'll pay extra to have the vehicle inspected. This additional certification is perfect for those who need security from a car in mint condition with the cost of a brand new car. What should you consider when deciding whether to buy a new or used car The decision between buying a brand new or used car comes from a combination of the financial aspect and your preferences and requirements. Take into consideration these factors when deciding which type of purchase is best for you. Budget multiple costs are usually less expensive when you purchase a used vehicle rather than a new one. Everything from dealer costs is less expensive when you purchase an older vehicle. Based on the car you select, the purchase price will also typically be less when you buy a pre-owned car. If you are calculating the numbers to figure out how much car you can afford consider more than the monthly installment and insurance. Make sure you include annual registration fees, fuel costs maintenance and repairs. Bells and whistles One of the benefits of buying an all-new car is that it'll come with the latest technology in safety and technology. Additionally, if being capable of choosing a particular car color or interior finish is essential to you, a new car purchase can make this easier. When purchasing a used car, you may have to spend a long time searching to get exactly what you want. But, the benefits of choosing the best tires, sound system or seating may not outweigh the cost savings by avoiding these add-ons and buying used. And if you have concerns about the safety of the vehicle you're considering using the tools on the site to verify the safety rating. Maintenance needs A slightly older might have more expensive maintenance costs, which is an important consideration if you're living on a small household budget. A large portion of the maintenance that comes with a brand-new car is covered by warranty. If you're thinking of an older car that is no longer under warranty, this isn't necessarily a deal breaker. You can to get the extra protection you require. The typical extended warranty is approximately $1,480. However, you can pay higher or lower, depending on your vehicle and the coverage you choose. How do you find the most affordable bargain on your car, regardless of whether you opt to buy a the new model or used one, you must remember that research into the vehicle is the most crucial element in . Your research should include checking the safety rating of the vehicle, insurance costs and the five-year cost-to-own. Make sure to assist you in making an informed choice. Also, consider a test drive of multiple vehicles and shop around with a few sellers by getting estimates from several . Be sure to get the lowest monthly cost and the most competitive financing terms to ensure that you keep more of your hard-earned money in your pockets. The main thing to consider is whether you want new and used comes down to many factors, including the concern you have about depreciation, budget, desire to get certain features and how long you plan on having your car. Once you have a car you want to purchase, do some research and prior to going to the dealership for the best deal. Learn more
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Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ways and pitfalls of borrowing money to buy a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to manage their finances through providing precise, well-researched and clear information that breaks down otherwise complicated topics into digestible pieces.
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