Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive tools and financial calculators that provide original and objective content. This allows you to conduct research and evaluate information at no cost - so that you can make sound financial decisions. Bankrate has agreements with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site are from companies that pay us. This compensation could affect how and when products are featured on this site, including for instance, the sequence in which they appear within the listing categories, except where prohibited by law. Our mortgage, home equity and other products that lend money to homeowners. This compensation, however, does have no impact on the content we publish or the reviews you read on this site. We do not include the entire universe of businesses or financial offers that may be accessible to you. AleksandarNakic/Getty Images
4 min read Published April 20, 2022
Writer: Kellye Guinan Written by Personal and business finance Contributor Kellye Guinan is a freelance editor and writer with over five years of experience in personal finance. She also is an employee full-time at her local library where she helps her community access information about financial literacy, in addition to other subjects. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers to take control of their finances through providing clear, well-researched information that breaks down complex topics into manageable bites. The Bankrate promise
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So, this compensation can impact how, where and when products appear within listing categories, unless prohibited by law for our mortgage home equity, mortgage and other home loan products. Other elements, like our own website rules and whether or not a product is available in your region or within your personal credit score may also influence how and when products appear on this site. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on every financial or credit item or product. Trucks are complex. There are many different configurations, and the size and strength you require depends on how you intend to utilize your truck. Familiarize yourself with typical features such as powertrain and axles, the cab's size and towing capacity before . Selecting a pickup is going to take research however, preparation can lead to an informed decision that fits your lifestyle and finances. How much power do you require? A vehicle with more horsepower, towing capacity and torque will cost you more. It's not just about cost, of course, but it is important to be aware of whether you truly require the power of a large amount before spending thousands of dollars on it. A diesel engine is a great option, and offers higher power will also cost you a lot. The V6 and V8 engines is more popular and provide more power, however, there are four-cylinder engines that can be used for smaller load sizes. If your biggest haul is for groceries, consider a more compact model that has an auto gas engine that is fuel efficient and has high efficiency. A smaller engine may be better for your budget and needs. How much are you hauling? A mid-sized truck is the best option if you don't intend to haul large boats or trailers. They are more affordable and offer better performance than full-size models. Midsize trucks are suited for lighter loads and are not suited for towing. And because of their weight reduction you'll pay less for fuel. If you've got an item to pull, go for a full-size truck. There are heavy-duty and light duty alternatives for nearly every model that is full-size. Naturally, trucks meant for light duty can haul less -- but again they provide better fuel efficiency because of their lighter weights. And remember: Towing capacity as well as payload capacities are two different things. Towing is how much your truck can carry behind it. Payload is how much it can handle in the bed. Even if you don't plan to strap a heavy-duty horse trailer onto the back of your vehicle, you should make sure its payload meets the requirements of your. Do you need four or two-wheel drive? A vehicle with two wheels will be more affordable and provide . You'll be able to select either rear or front-wheel drive. Whatever you pick is the best choice for staying on the road. A truck that has four-wheel drive is better suited to going off road and icy or slippery conditions like on a boat launch. You get better traction, but your truck will not be as efficient in fuel. What kind of space in the cab do you require? Cab space is likely to be one of the most important factors for novice truck drivers. For the majority of drivers, a crew cab will be the best choice even though it will cost more. Single Cab single cabs are the classic two-door look. They are typically just able to accommodate three people, however they often have larger beds. Extended cabs: Extended cabs are essentially a cab and a half. They have two doors and a limited amount of legroom in the rear seat, but it's a good alternative to one-cab and the crew cab choices. Crew cab: Crew cabs are the four-door version that looks like an SUV or sedan. The size of a crew cab varies according to trim and model however they're the ideal choice for those who have passengers in the back seat regularly. Fuel options You are not restricted to only diesel or gas. Companies such as Ford are committed to offering more in the coming years. But these are still relatively new and could restrict your towing or payload capacity. Between diesel and gas the diesel engines are more fuel efficient. They also provide greater power to trucks that are in use. However, they're also more expensive to buy and to fuel. For casual drivers an engine powered by gas could be the better choice. They offer more versatility and a lower price tag than diesel or electric engines. They are more likely to be found on them on the , too. A short or long bed? It is likely that the larger your bed, the smaller your cabin. Therefore, if a team taxi is needed then you'll likely be stuck with a shorter bed. If you require a larger bed, you might be forced to choose a single or extended cab. The most important thing to think about is how often you will be putting things in the bed. If the truck you have is mostly for show -it's fine with it -- a smaller bed will be more convenient to move around and park. It's also likely to be more than enough space when you do need to haul something larger. Used or new? New trucks offer you the opportunity to be particular about the entirety of your ride inside and out. This is certainly an investmentnew vehicles are costly however when you've got a particular trim, technology or other feature in mind it's best to go. On the other hand, a used vehicle is a more reasonable option. It is possible to purchase the exact vehicle that you desire but you'll be able to get rid of the cost of depreciation. If you're just looking for something that is functional you can find older models on the market which are inexpensive and reliable. It depends entirely on your budget and priorities. A brand new vehicle may be costly, but it might be more fuel efficient or feature more advanced technology. A used truck may be less efficient in fuel, but the lower cost could mean it is cheaper to drive. Manual or automatic? This is more of an individual choice. There isn't a huge cost difference between the two, although certain vehicles may come with either one or the other. For urban or suburban motorists, automatic provides an easier ride. But if you need more control when off-roading, a manual gear might work better. The next step is to have looked at the main advantages of owning a truck, begin looking at the actual models and models. These will help you get a good idea of the cost you'll be considering. When you're aware of this, you can to get you in the cab with a fair interest rate.
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Written by Business and personal financial Contributor Kellye Guinan is a freelance editor and writer with more than five years ' experience within personal financial planning. She also is a full-time worker at her local library, where she assists her community access information about financial literacy, among other topics. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to manage their finances through providing clear, well-researched information that breaks down otherwise complicated subjects into bite-sized pieces.
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