Your old clunker has finally given up. But what if you don’t have piles of cash lying around to purchase a new car? How can you afford something nicer than the one that just died? Here are four tips for making your new-car dreams come true.

1. Give Yourself a Price Range

You’re probably aware that cars can run the gamut from “really cheap” to “ridiculously expensive,” so the first step is figuring out just how much you can pay. What’s your total limit? What can you afford to spend each month? What makes and models are within this price range? Make sure to consider both short- and long-term costs. For example, a car that gets terrible mileage will cost you more than you expected in the long run.

2. Look for Deals and Discounts

Car companies are always hosting special promotions to attract new customers. You can also find unexpected or unadvertised deals just by contacting them and asking what they can do for you. You might be surprised by the price cuts that you can receive from a seller who knows that you just need a little extra nudge to be on the hook!

3. Start Saving

In an ideal world, you’ll enjoy months of planning, calculating and number-crunching before you actually need a new car. Realistically, however, you’ll probably get caught off-guard by the final wheeze of your old vehicle, and you’ll need to dip into your savings account to afford a new one very quickly. Make sure that there’s a nice sum in it!

4. Take Out a Loan

If all else fails, a loan can help you make those first crucial payments on a new vehicle. Look into something like cash loans in Jacksonville FL. You’ll need to be careful to ensure that you’re borrowing from reputable lenders, but as long as you do your homework, there’s no shame in getting a little assistance with your financial situation.

These are just a few things to keep in mind as you shop for a new car. It’s entirely possible to find something safe and stylish despite a limited budget, so don’t despair. Just be cautious with your decisions moving forward!