At Toyota Chula Vista, we’re always making sure that our customers are taken care of through every stage of the car buying process – even budgeting a new car. That can cause quite a few headaches if you’re not prepared, so today we want to tell our San Diego-area customers how they can handle getting a new or pre-owned Toyota car with a minimum amount of headache.

To start, you need to realize that the sticker price is only a starting point. You can expect the number to rise as soon as the dealer factors in sales tax, title and registration fees, and any extended warranties we have. While that will give you the final price for your car, you need to take into consideration the secondary costs of the car, like how much gas will cost, maintenance, repairs, and of course, car insurance.

With the final car price in mind, you need to figure out how much you can afford for a down payment. The more you can afford, the less your monthly payments will be, and the shorter your loan term could be as well. If you have a vehicle, consider trading it in to raise your down payment even more. It’ll be a great boon to your bottom line.

And when it comes to the bottom line, you need to consider how much your monthly payments on this new car will impact your income. Generally, your payments should be no more than 20 percent of your monthly income, and it will behoove you to find a finance department that will work with you to find the best deal – like the ones at our Chula Vista, CA Toyota dealership.

Our Toyota finance department will work with you to ensure that your new vehicle is something you’ll be proud to drive and will be right within your budget.