First time buying car
How do I go about buying a car and getting the best rate I possibly can? I (22M) have been eyeing some cars for some time now and looking to make a purchase within the next month. I’ve basically narrowed it down to a Honda Accord or Toyota Camry both between 2022-2026. The issue is I travel out of state for work so I would need to do everything in a 6 day span when I go back home for July 4th. What lenders should I start getting pre approved for? What tactics should I use to not get fucked over at the dealership? Just looking for some guidance.
Finances:
110k a year
15k down payment
760-780 (4years long) Credit score composed of credit cards and on time payments.
So long I got pre qualified for a 6.09% but I know getting pre approved is different.
Posted Jun 8, 2026, 4:39 PM UTC