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But most car buyers today make their purchase by paying a down payment and then financing the balance -- making monthly car payments until the remainder of the. Find the perfect car for your needs at kaleco.online Shop new and used cars, sell your car, compare prices, and explore financing options to find your dream car. Purchasing a new vehicle is a large investment. Here are five factors to keep in mind as you budget for your next vehicle. 1. Calculate Your Budget · 2. Check Your Credit · 3. Choose the Vehicle and Features You Want · 4. Get Pre-Approved for a Loan · 5. Choose a Dealership · 6. Test. If it does, the offer will remain the same. All owners of the vehicle must be present. When you accept the new vehicle, we will complete the paperwork with you.