Buying a new car is an exciting time. As carefully as you’ve likely researched models and dealerships and as many test drives as you’ve been on, you may have neglected to spend much time thinking about the details of your financing arrangement. The wrong loan can cost you a lot of money over the long run. If you’re thinking about buying a vehicle, here are ten tips for financing a used car to make sure you get your money’s worth.

1. Know What Your Credit Looks Like

Dealerships often advertise their low-interest rates for pre-owned cars, and many people assume everyone will qualify for those. Unfortunately for some, the fine print makes it clear that those rates are only for qualified borrowers. Knowing your credit score can help you determine whether you might qualify. If you don’t, you have time to research alternative financing options or reconsider your car budget, so you don’t find yourself put on the spot at the dealership. It’s a good idea to review your entire credit report while you’re at it since sometimes reports can have errors that make your credit score lower than it should be.

financing a used car credit scoreAndreyPopov / Getty Images