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How to Plan your First Ever Car Purchase in Hamilton

How to Plan your First Ever Car Purchase in Hamilton

If you’re like me, you’ve been using public transit to get around Hamilton for a long time.  For the most part it’s reliable and you can get most anywhere in the city.   Well, you used to be able to get anywhere.  The city has expanded so much recently and using transit isn’t as convenient as it once was.  Maybe you want to look into your first ever car purchase but you aren’t sure where to start.  Let’s tackle some first steps to get you on the path to the perfect car in Hamilton Ontario for you.


Determine your Budget


This is number one for a reason.  Your budget determines how big a loan you can take out, and therefore how much you can spend on a vehicle.  You need to make sure your car payments aren’t more than you can handle on top of your other obligations.  There are some great tools online to determine how much you can allocate to your car every month.


Another point to consider is your credit score.  A low credit score can make it a little more difficult to get a car loan, but not impossible.  Having that information ready before you shop will help you understand exactly what you can afford.


What are your Needs


Since we’re assuming this is your first vehicle, think about what you’ll be using it for.  If it’s just for your daily commute and maybe some errands on weekends, a small car is probably a great fit.  Maybe you’re starting a family and need some extra room for all the gear that comes along with that, then a small SUV might be more your style.  Did you recently get a job where it would be great to be able to haul tools or supplies?  You might need a pickup!


For most of us, our budget determines the type of vehicle we can afford, but chances are there’s something out there that’s suitable for whatever you need.


Do your Homework


Yes, we all thought we left homework behind when we left school, but sometimes it comes up in real life too!  Doing research before heading out to a dealership is important.  Find out what the cars you like are selling for around Hamilton and the GTA and see if that helps you find a better deal!  Don’t be afraid of knowing exactly what you want before you speak to a salesperson.


We’d love to help you find the perfect car loan for your first ever car purchase. Simply fill in the form below and we’ll get back to you ASAP! 


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