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Did you Know... Checking your Credit Report Checking your credit report before you purchase your vehicle can be very beneficial as you can clean up any loose ends before your lending institution has its first look at your credit history. If there are any unsavoury points like returned checks then you can add an explanatory page with your application explaining your circumstances and why the incident happened. Always Plan Your Purchase The generally accepted first thing to do is to anticipate when you will want to purchase your vehicle and then plan around it. Never buy a car on impulse unless you don't need a car loan. When you plan for the purchase you can also pick the most appropriate car, look for reasonable payment options before signing on the dotted lines and lastly won't leave you awake at night worrying yourself with self doubt. Keep your Eyes Open Even after you've bought your car and signed on for the car loan, you should still always be looking around for better deals for refinancing you car. Ever so often banks will change their rates and you might be much better off if you actually choose to refinance with another cheaper lender.