By: Michelle Hougland

Buying your first car? You’re not alone in feeling overwhelmed.

Navigating the car-buying process for the first time can be confusing, from unfamiliar industry terms to countless decisions, it’s easy to feel uncertain. But with a clear plan and the right information, you can confidently find a car that meets your needs and fits your budget. Start with these essential steps:

Figure out how much you can comfortably afford to spend after covering your monthly living expenses. Use this calculator to help determine a price range that works for your financial situation.

Sure, the shiny red sports car might catch your eye, but it may not be the practical choice. Think about how you’ll use the car and how often you’ll drive it. Your down payment and expected monthly loan payments will also help narrow down your options.

Research makes all the difference. Create a shortlist of vehicles that are known for reliability, fuel efficiency, and low ownership costs. Look up expert and user reviews to compare features, then check each model's fair market value in your area.

Contrary to popular belief, you don’t have to finance through the dealership. City Bank specializes in auto loans for first-time buyers. By arranging your financing beforehand, you’ll know your interest rate upfront and can shop like a “cash buyer,” giving you greater negotiating power.

Bring along someone knowledgeable and inspect the car in daylight, from top to bottom. Spend at least 30 minutes driving in both city traffic and on the highway. Request a detailed vehicle history and service records. If possible, have a trusted mechanic perform a pre-purchase inspection to uncover any hidden issues.

Never accept the sticker price without question. When working with a dealer, be cautious of unnecessary add-ons or warranties. If a private seller won’t agree to what you believe is fair, don’t be afraid to walk away. There are always other options.

You’ve done the research, made thoughtful choices, and now it’s time to enjoy the reward: a reliable vehicle that fits your life and your budget.