If you can help it, don't buy a new car or a used car under duress. Try to plan your purchase in advance so you can take your time finding the right car for your needs and budget.

The Federal Trade Commission's booklet "Understanding Vehicle Financing" is a good resource whether you are a first-time car buy or have a car collector. The free downloadable PDF version is available at the Federal Citizen Information Center's Web site. In it, you'll read about how to get the facts on dealership financing, including what it is, how you apply, special financing offers, and cash back and rebates you may be eligible for.

*You can also order a copy of the 10-page print version from the Web site for $1.00.

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