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Should You Buy A | New Car
New cars typically have higher insurance premiums and higher property taxes in certain states. Smart Buying Tips for 2026
New cars include full manufacturer warranties, providing peace of mind against expensive repairs. Conversely, five-year-old cars can cost owners $800–$1,000 annually in maintenance.
In 2026, new car loans average around 7% APR , while used car rates sit much higher at roughly 12% . Well-qualified buyers can even find 0% APR offers from some automakers to move stagnant inventory.
To stay financially healthy, put at least 20% down , finance for no more than 4 years , and keep total monthly costs under 10% of your gross income.