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The infrastructure of many American cities is organized taking into account the fact that each resident has his own personal car. Therefore, the issue of buying a car in the United States remains always relevant for both permanent residents and those who have only recently immigrated to the country.
If you are planning to buy a car, you always have a choice - to buy a car for cash, with the help of leasing or take out a loan.
In order to purchase a car in the USA, in addition to the financial component, you will need to provide the following documents: social security number (SSN), confirmation of the official place of work and solvency, American driver's license (Driver License).
At the time of purchase, you are not required to present any documents. But in the future, documents may be needed to register a vehicle, obtain state numbers. Once purchased, you must complete the vehicle registration process with your state's DMV.
The United States automotive market is one of the largest in the world. Therefore, you can choose a car that suits your financial capabilities.
In terms of prices, the average cost of a new unused car in the US is $10,000 or more. At the same time, the cost of a used car is significantly less. Depending on the condition of the car, you can find used options starting at $3,000.
And do not forget about paying for insurance, which is a prerequisite when buying a car in the USA.
With regards to the method of payment when buying a car: if you buy a car “on hand” from a private person or a very small car dealership, then you can pay for the purchase in cash. Large dealerships do not work with cash, you pay for the purchase of a car with a US bank check.
The most favorable period for processing a car purchase and sale transaction in the United States is the period from the beginning of June to the end of February. The remaining time is the period of tax accruals and the period of tax refund from the state. At this time, people have additional funds, which leads to a rise in prices in the market.
You can apply for a bank loan to buy both a used and a new car. To do this, you can choose any American bank and come personally to its branch to clarify all the details and possibilities of lending, or find information about auto loans (Auto Loans) on their official websites. The main advantage of the bank is that you can take a car loan for a new or used car, and after that go to any car dealership.
If you plan to get a car loan in the salon, then you should be prepared that you will be tied to a specific bank or you will be given the opportunity to choose from several partner banks. Among the advantages of such a purchase - you can count on favorable credit terms for some models or configurations. Making a loan to buy a car is no less popular option in the US. Just like in leasing, you pay monthly payments for the car, but as for your own property.
In order to get a car loan, you must have a sufficiently high credit score, at least 700 points, SSN, a permanent official place of work, proof of solvency (i.e. a financial document (payroll) on the total amount of wages paid by your employer for certain period of time).
To apply for a car loan, you can apply directly to a car dealership, dealership or bank.
Leasing, like a loan, has its advantages and disadvantages. Many of the factors that determine the best deal are very individual and depend on your life circumstances (whether you are looking for a sports car or more family car, like to travel by car, how often you use transport, etc.), your credit score, ability to make a down payment, brands and the year of manufacture of the car.