The fact of the matter is that, unless you’re buying an especially old car with very high mileage, you’re going to need to finance you used car. The average used car that’s four years old will cost around $9,500. Most people just don’t have that kind of cash to pay all at once. Fortunately, there are plenty of financing options. You can even get financing at your auto dealer.

Auto dealer financing offers several benefits to the buyer. First off, it’s convenient. You don’t need to worry about going back and forth between the dealership and your bank or financing company. In addition, dealerships generally have relationships with multiple banks and financing companies, which means they can access a wide range of options that you may not be able to get from a single institution. In addition, manufacturers may offer low-rate programs to car buyers, as well.

Before you talk to your dealer about financing, be sure you know what your budget is. Take a look at your credit report, too, and go through the steps necessary to fix any errors. This will help you get the best rate. Finally, remember that you can always come back the next day to make a decision.