Public transports can prove to be quite irritating especially when you are in a hurry. You study the Google Map to find out the best bus route for your destination. You double check the timing too. However, while waiting at the bus stop you soon realize that the schedule has somehow gone awry. Finally you reach the workplace late and receive that look of disapproval from the boss. Actually, workplaces no more buy the story of employees reporting late because of inefficiency of public transports. Employers, now-a-days, take it for granted that employees would have their own cars, no matter what their pay slips reflect.

Affording a car has become bit expensive, especially for middle income households which were hit hard with the recession few years back. Specific locations like the San Francisco experienced a steep rise in rentals and other household expenses. However, it is the poor performance of public transports and rising work pressure which compel young professionals to think of owing a car. The encouraging thing is that the situation is improving in the car loan sector. In fact, loan rates have been slashed significantly. In the San Francisco, California metro areas loan rates can be as cheap as 1.74% or as high as 8.5% depending on the loan tenure and car condition. This has prompted many loan companies to open their shops in the SF Bay Area. If you are planning to buy a new car or a pre-used one, here are few measures which can come in handy.

Understanding own financial situation is very important. As the saying goes, stretch your legs according to the size of your quilt, hence it is always advisable to opt for a vehicle which matches your budget. If your estimate doesn't permit then take eyes off that brand new Mercedes model and be happy with a Ford Fiesta or Honda Civic.

Try to clear the credit mess. This may sound tough if your credit has already piled up, but still a talk with the credit company might help. If your credit record is sound then it is always a good idea to carry the report while heading to the car dealer. This will surely help in better negotiation. If you are planning to avail of car financing then also the credit report helps.
Those who enjoy shopping should grab this opportunity to visit different car dealer showrooms. In case you have decided a particular car model then find out dealers of that brand. Visit their shops and enquire in details about the vehicle's features and payment options. After all you won't be buying car every alternate day!

Look for suitable offers if you are seeking car loans. There are loan providers which maintain their own automobile inventories too. This way it becomes easier for the buyer when entire service comes from the single point of contact.

The car is meant to make your life smoother. Hence, proceed prudently with the purchase process, so that the vehicle doesn't turn into a burden at the later stage.