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The Aston Martin MA-RB 00, currently the most expensive car in the world, is set to go on sale in 2017. With a price tag of just under $4 million, most of us will need a car loan or personal loan (or cosmic intervention) before it’s parked on the drive.

New cars aren’t cheap, but most of us rely on our four wheels for day-to-day life. Maybe you need a bigger car as your family grows, or your current car is getting a little bit too long in the tooth. Perhaps you just fancy treating yourself, or fancy a metallic purple beach buggy – sometimes you just need to go car shopping.

If you find yourself needing to invest in a motor this year, a personal car loan might be the road of wisdom. It can be hard to find the right loan, so I’ve picked out the key things you need to consider.   

How do I get a car loan?

Buying a new car is mega exciting, but also a big financial commitment. Most loans can be arranged quickly and easily, and although you don’t have to, you can usually borrow enough to cover the cost of the whole car. 

If you’re looking for a new set of wheels to get the neighbour’s curtains twitching, comparing car loans before you drive off into the sunset could help you avoid a hefty financial pile-up in the future. See what I did there?

Which car loan lender should I choose?

There are a wide range of different lenders available – you can compare by visiting our loan comparison page. As well as the usual APR and monthly repayment information, you should also look at the finer details, such as whether the company offers instant decisions or ‘soft search’ facilities that won’t affect your credit score.

What type of loan is best for me?

Like the universe itself, the choices are endless. Car dealers often throw in incentives to lure you in, like some kind of trout, and some car loan companies have reward schemes too. It’s a good idea to look at what you are going to pay as a whole, and double check that the rewards don’t outweigh the benefits. It’s sound financial wisdom.

Paying less a month can seem like a good idea when you’re excited to get out on the road, but remember, that could mean you end up paying more interest in the long run (leaving less pennies for important things like fuel and purple fluffy dice).

Comparing different types of finance can be tricky on your own. Let me do the hard driving for you by comparing car loan deals. Then you’ll be free to think about those optional extras – do you want heated seats, surround sound, or a sitar rack?

Peace and loans

The G