[header] How to finance a new car [title] Determine the amount you will need to finance via a vehicle loan. [substeps] Your total costs will likely be significantly more than the sticker price of the new vehicle including sales taxes, warranty payments, and licensing fees that ultimately make up the total price of the vehicle. Depending on the vehicle cost and dealership requirements, this could add a few thousand dollars to your total vehicle price. 
Making a down-payment will help reduce the total loan amount, thus decreasing your monthly payments and interest expenses. Provide as large a down-payment as possible based on your cash reserves and payment ability.