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NEW Vs. Used Car Calculator

The typical used car costs less than a new vehicle by around two-thirds. But cost isn't everything and you should be aware of factors like the amount of miles you drive and the length of time you own it and the way you live. To determine if this is right for you, respond to the following questions for tailored advice.

Do you need to buy a brand new or used car? On the surface, it will cost you less money. But buying used may also mean compromising on the newest features available. A new car is a good choice if you are comfortable spending a bit more money and want the latest features as well as lower initial maintenance costs. Considerations when buying new the latest model include higher reliability, lower interest rates and the option to customize your purchase directly according to your preferences. However, it comes with an increased cost of purchase, more expensive and an increased rate of depreciation. When you are looking for a new car, be sure to prior to the time and try out different models of the vehicle you are looking at. The considerations when buying used has a shaky driving record and potentially expensive maintenance costs. But it's less expensive, hold cheaper insurance rates and depreciate at a slower rate. If you are looking for a used vehicle, look into a different alternative. This car will have the perk of a low price tag while still holding the confidence of a vehicle that's well taken care of.

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Netspend Credit Card Prepaid Card Review

Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able to make financial decisions without hesitation. Although our site doesn't feature every company or financial product that is available in the marketplace We're pleased of the advice we offer, the information we provide and the tools we develop are independent, objective easy to use and completely free. So how do we make money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on our site), but it does not affect our advice or suggestions, which are grounded in thousands of hours of research. Our partners cannot be paid to ensure positive reviews of their products or services. .

Netspend Card Review - Prepaid Card Review

Written by Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposits Spencer Tierney is a consumer banker at NerdWallet. He has covered the personal financial sector since, with a focus on certificates of deposit and other banking-related topics. The work he has written for him was covered by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. The location of his work is Berkeley, California.

Updated February 10 2021

Editor: Alice Holbrook Assigning Editor | Savings, homebuying and banking Products Alice Holbrook edits homebuying content at NerdWallet. She has covered personal finance topics for more than 10 years, and was previously in NerdWallet's banking and insurance teams and also did a stint on the Copy Desk. The location of her work is Ann Arbor, Michigan.

The majority or all of the products we feature come from our partners who pay us. This affects the products we feature and the location and manner in which the product is displayed on a page. But this doesn't influence our evaluations. Our opinions are our own. Here is a list of and .

Netspend's prepaid debit cards are costly alternatives to a checking account. They're easy to get and don't require a credit or banking history necessary to sign up, but Netspend allows you to choose between paying a monthly charge or paying a charge each time you make a purchase. Whatever you choose, you'll pay more fees each year than you could accrue interest on the savings account on your card. There's a reliable nationwide network of more than 130,000 cash reload locations However, it's not completely free and there's no free access to ATMs.

The best for:

Individuals who need a credit card that doesn't let you be negative or charge overdraft fees in the event that you don't opt for an overdraft protection.

People who have struggled with managing a bank account in the past.

Click here to see more options: Check our list of

Netspend Card Pros

5.00% APY savings account for balances up to $1,000, and 0.50 percent APY on any excess.

Access to easily adding and withdrawing cash from a network of retailers.

Paychecks can be received up to two days early by direct transfer.

Grace period for overdrafts or courtesy cushion with the option of overdraft coverage.

>> Looking to increase your credit instead? Learn about

Netspend Card Cons

Monthly fee is steep for the basic fee plan and there is no option to eliminate the cost completely.

Cash is not available on a free network for withdraws or reloads.

Inactivity fee when you stop using the card, along with other charges that a lot of prepay cards don't include.

An optional overdraft option costs $20 per overdraft, maximum five times per month.

Are you ready to open an ordinary savings account instead? Check out the

General information on pre-paid debit cards

What is a pre-paid debit card?

A pre-paid debit card is a form of payment card that only allows you to spend the funds you deposit on the card. They don't help you build credit. Like a debit card, it can be used with any store that accepts their payment network, which includes Visa, Mastercard or American Express. It's more secure and easier than using cash. Most prepaid cards have an app that allows you to deposit checks or transfer funds. Learn more on our .

In contrast to checking accounts, debit cards that are prepaid may lack some services like free ATM or branch networks as well as checks, among other. If that doesn't work for you, see the list below of . If you've been struggling with banks previously you should check out .

Prepaid debit card vs. debit card vs. credit card

Pay with prepaid debit cards prior to you load funds onto the card using cash, checks or direct deposit to an bank account before paying for transactions.

Credit cards -- Pay now Pay now: You can use the funds directly from a checking account when paying for purchases or withdrawing money through an ATM.

Credit cards -- pay later: You take money from a bank each time you make use of the card. You repay the loan later.

What is the procedure for FDIC insurance on prepaid cards function?

Prepaid debit cards almost always come with FDIC assurance, which keeps your funds protected in case the issuer goes under. Only financial institutions can have FDIC insurance, which means the prepaid card is operated by a bank, or by a prepaid card company that has a partnership with a bank to provide this insurance. You must register your prepaid debit card by submitting your full name, address and other identification information in order to qualify for FDIC insurance, as well as other security.

The author's bio: Spencer Tierney is a writer, and NerdWallet's expert on deposit certificates. His work has been featured on USA Today and the Los Angeles Times.

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Calculator for Car Payment Comparison

When comparing potential it is recommended to compare direct financing offered by a bank, credit union or an online lender against low interest financing and rebates offered by dealers.

Calculate your car's payments calculator for car payments will allow you to determine the best financing option from a Credit Union or low-interest dealer and bank financing. Manufacturers and dealers often provide rebates or low-interest financing but not often both. Combining a rebate with a more lucrative lender such as a credit union or bank car loan can result in the possibility of a lower initial loan balance and, often the monthly payments are lower. The better choice depends on the cost of the car and the amount of the rebate and the interest rate. How to calculate your car's payments to determine which option is right for you, you just need to enter some information about you loan options. By altering the auto financing numbers, you can easily examine each loan amount you'll need to finance and the total amount of payments you'd have to make over the duration of the loan. You can also review and print the full report that includes all of the elements used to calculate the values.

Auto rebates are different from. low interest loans While an and low interest financing both can save you money, they work differently. Rebates are incentives that gives you money in exchange for the vehicle purchase. Its main benefit is lowering your total loan amount because it is likely to be applied to the down payment. Low interest financing On the other hand is when you pay for the entire cost -- minus your down payment but you pay less interest over the course of your loan. Manufacturers typically offer rebates or financing, however, they rarely offer both. Combining rebates along with a credit union or car loan may provide the buyer with a lower loan balance, and in many cases the monthly payments are lower. The better choice depends on the cost of the vehicle and the amount of rebate, and the rate of interest. It is likely that the rebate from an auto dealer will save you more money but it is essential to determine the expected cost before committing on one option over another. Definitions An amount owed on trade Total loan balance still outstanding on the .

Calculate sales tax before rebate Some states determine sales tax on your purchase price prior to when a manufacturer's rebate is applied. If your state has a sales tax calculation based on the cost of the vehicle before rebates are applied, select this option.

Cash down Cash down for this purchase. The bigger your cash, the lower the loan you'll need to finance the purchase.

Low interest financing. The incentive rate that you might be able to get from an automobile manufacturer. They are typically significantly below standard automobile loan rate. The cost of low interest financing could be as low as . Many manufacturers allow you to select either low interest financing or a manufacturer rebate but not both. The calculator presumes if select low interest financing, you will not be qualified for any rebates from manufacturers.

Manufacturer rebate A paid by the manufacturer of the vehicle to you at the time you purchase the new car. Many manufacturers let you choose either low interest financing or a manufacturer rebate, but not both.

There is no sales tax deduction when you trade-in a trade-ins if you reside in a state where your taxes are calculated on your full purchase price make sure you check this box. If you do not check this box, sales tax is calculated based on the purchase price less the trade-in. Alaska, Delaware, Montana, New Hampshire and Oregon do not have sales tax for automobiles.

Sales tax rate Tax is imposed on this purchase, expressed in percentage.

The term in months. Months that you will be able to use your automobile loan.

The total purchase price (before tax) This is the total price of your auto purchase. Include the price of the car, any extra options or charges for destination. Don't Include sales taxes in the price. The sales tax is calculated for you and will be included in the price after tax. Trade allowance The amount that you are given for each vehicle you exchange as part of this purchase. In some states , a trade-in could also reduce your sales tax that you owe.

Traditional financing You may be able to get from a bank, credit union or other lender. It is typically more expensive than the manufacturer's low interest financing, but is often very competitive when combined with rebates from manufacturers. This calculator assumes you choose a manufacturer rebate you are not in the market for manufacturer low interest financing.

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4 min read Published October 13, 2022

Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ins and outs of securely borrowing money to purchase the car they want.

The edit was done 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 feel confident to manage their finances through providing precise, well-studied information that break down complex topics into digestible chunks.

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who ensure everything we publish is objective, accurate and reliable. Our loans reporters and editors concentrate on the things that consumers care about most -- the various kinds of lending options, the best rates, the best lenders, ways to pay off debt and much more. So you'll feel safe making your investment.

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The most important thing to leave the car lot pleased with the purchase is to be able to identify the best concerns to inquire about. To advocate for your wallet and requirements, be prepared with difficult questions and be ready to walk away in the event that you don't receive satisfactory answers. If you don't, you might not receive the best price when purchasing a car. Questions to ask all car dealers Whether you are buying a the car new or second hand, there are three main questions you should ask the dealer before going into the store for a shake. Do I have the opportunity to test drive the vehicle? It is difficult to determine if a vehicle is the right fit until you adjust the seat and get a sense of the handling abilities. Pay special attention to the feel of the brakes and if you can see the vehicle fitting all your requirements and daily routines. If you're able to, ask if you can take the vehicle into your garage, or parking space to see if it fits perfectly. Some dealerships may even allow you to store the vehicle overnight to test it through your day-to-day routine. What is the warranty for the car, if any? Warranties can cover certain damage caused by the vehicle and wear and wear and tear. For new vehicles, manufacturer warranties cover more serious issues but you'll still need to cover regular maintenance. Some newer used cars might still be covered by their original warranty or a new warranty when you opt to purchase a certified used (CPO). If there's a warranty that is in place, you may save quite a bit on future repairs, depending on how long it's. Even if there's no warranty, you could see if an extended warranty or gap insurance are options. However, these are expensive and often not required, so consider your needs carefully before asking a salesperson about it. What are the additional costs associated with purchasing this vehicle? No matter what vehicle you decide to purchase it is important to be ready to pay additional charges. Your state may have title transfer fees and other costs which aren't negotiable. The dealership could also charge specific fees that you'll have to pay. Although it may be tempting to add these costs (and sales tax) to your loan Avoid it if you can. In the end, you must be careful not to borrow more than the vehicle is worth. Taxes and fees must be paid in cash if you can. Things to consider when purchasing a new car The new car market continues to thrive, and prices remain at an ever-high. Therefore, even if feel like a seasoned veteran in this area, there are still a few essential points to be aware of to ensure that you receive the best price. Make sure the dealer can answer these questions before signing off on . What are the financing terms? Find out the terms offered by outside lenders. If you have excellent to good credit, you will be able to find the best deal with a bank, credit union or an online lender. Be sure to check the prequalification offer with the dealer offers. Are there any rebates or incentives? In some cases you could qualify for incentives when you buy a brand new car. This perk generally reduces the price of the purchase after taxes.These range from deals during certain times of the year to special offers for certain categories, such as veterans or students. How much is the documentation cost for this car? The documentation fee, also known as "doc fee" is charged by dealers to pay for concluding the sale contract on your behalf. Unlike some fees that come with a new vehicle purchase The documentation fee can't be bargained. Certain states have a limit on the amount that dealers may charge. If you're in a state where there isn't allow this, you could end up paying as much as $600 . Things to consider when purchasing a used car Despite the price increases for used cars because of shortages in inventory, buying used does come with its advantages. However, it is more of a risk in the event that you do not know the past of the vehicle. If you are planning to purchase it, inquire about the history of the vehicle, there are some questions you can ask to ensure that you are getting an excellent vehicle. Was this car involved in any accidents? There aren't any accidents that can be traced in a car history report, so ask outright if your potential car has been involved in any accidents and how it was later repaired. Ask about how long ago the accident was, and if there were any repairs after the incident. How many owners has the car had? Ideally, you want a pre-owned car with at least one or two satisfied owners, not a vehicle that was rented out to several drivers. A vehicle with a lengthy ownership history is an indication that the car has problems that need to be addressed. You should also ask how the dealer acquired the car. A trade-in might not have a full history attached, while a previous rental will have been regularly maintained -- when it was driven more than a car owned by a private owner. Do I need to have the vehicle inspected with my mechanic? Requesting a mechanic's inspection is a great final step in your inquiry process , but you should only inquire if you are certain you want the vehicle pending the results of an inspection. It can aid in determining the confidence of the dealer in the car and having an independent set of eyes to check the vehicle will assure you that you're getting the best you get for your money. The main point is that aside from researching the type of vehicle you want and shopping around for the best deal on financing, it's essential to be aware of the questions you should ask prior to going to the dealership. Pull up to your dealership with a clear plan and a list of the most pertinent concerns to inquire about. You'll also be equipped with the information needed to make an informed decision whether you're signing the dotted line or walking away to find a better deal elsewhere. Learn more

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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ways and pitfalls of using loans to buy a car.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to manage their finances through providing clear, well-researched data that breaks complex topics into manageable bites.

Auto loans editor

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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and services or by you clicking on specific links on our website. This compensation could impact how, where and when products are listed in the event that they are not permitted by law. We also offer credit, mortgage and other home loan products. Other factors, such as our own rules for our website and whether or not a product is available in your region or within your personal credit score could also affect how and where products appear on this site. We strive to offer the most diverse selection of products, Bankrate does not include specific information on every financial or credit product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |

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