Which is the best way to finance a car

1. Check your credit score before you go to the dealership. ...
2. If your credit score isn't perfect, get financing quotes before you go. ...
3. Keep the term as short as you can afford. ...
4. Put 20% down. ...
5. Pay for sales tax, fees, and extras with cash. ...
6. Don't fall for the gap insurance speech.

Which vehicle finance is best?

First, it will increase your total debt load and change your credit utilization ratio, which may cause a slight drop in your score. If you've just established the loan, there's no payment history yet, but any slight decline in credit score should be remedied quickly if you make your first few payments on time.