Buying a car is a big financial decision, and one you shouldn’t just rush through. Here are four car-buying tips to help you find an affordable vehicle that also fits your lifestyle.

Set your budget. Unless you’re paying cash for your car, you will need to think about financing your purchase. The general rule is that your monthly new-car payment should not exceed 15 percent of your monthly take-home pay. A used car will be less expensive, but the same rule should still apply.

Narrow down your search Find the ideal vehicle with help from SeaComm’s online auto buying center, Garage Gizmo. The site gives you a full view at the interior and exterior of all types of vehicles located at local dealerships. You will also receive a complete car description, which details the equipment, specifications, safety features, crash test ratings, warranties, recalls, and more. Click here to begin your search.

Test drive a few vehicles. You should test-drive at least three different vehicles so that you don’t limit your options. Try to schedule a few appointments back to back; it will make comparing the cars easier and give you a smooth exit from the dealership. While the salesperson will want to talk numbers immediately after the test drive, you might not be ready.

Find out if you’re pre-approved. As a member of SeaComm, you may already have a head start on an auto loan through our loan pre-approval program, LoanEngine™. This program allows you to view and accept loan offers without having to come into a branch or fill out an application. If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail.

You may accept offers immediately by following the prompts, or by contacting our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you do not have any offers at this time, make sure to check back every 60 days.