Your Checklist Should Include:
Determining what you can afford: Write down your monthly income and all of your monthly expenses. The difference between the two demonstrates your disposable income. Your transportation expense should not exceed your monthly disposable income. Some financial experts suggest your transportation costs should remain between 10-15% of your income.

Review your credit report: Secure a copy of your credit report so you can be aware of what creditors will see. Errors or accurate negative information could impact your ability to get credit and/or your finance rate.

Identify your transportation needs: Is your car a luxury or a necessity? Will the maintenance and insurance fit into your budget? What size vehicle does your family situation dictate?

Research the Cost: Check auto buying guides, the Internet and other sources to find out the price range and other information for the vehicle you want to buy. www.kbb.com
Research Finance Rates: Compare current finance rates being offered by contacting various banks, credit unions or other lenders. Compare bank quotes and dealer quotes, there may be restrictions on the most attractive rates or terms from any credit source.