Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering interactive tools and financial calculators that provide original and objective content. We also allow you to conduct research and evaluate information at no cost – so that you can make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site are from companies who pay us. This compensation may impact how and when products are featured on this site, including such things as the sequence in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage and home equity products, as well as other home lending products. This compensation, however, does not influence the information we provide, or the reviews that appear on this website. We do not contain the vast array of companies or financial offerings that could be available to you. AleksandarNakic/Getty Images
4 min read Published 20th April, 2022
Writer: Kellye Guinan Written by personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with more than five years of experience in personal financial. She also is employed full-time at the local library where she helps people in her community gain access to information on financial literacy, in addition to other topics. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping their readers gain the confidence to manage their finances with detailed, well-researched, and well-written information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate promises
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We receive compensation for placement of sponsored products and, services, or through you clicking specific links on our website. This compensation could impact how, where and in what order the products are listed within categories, except where prohibited by law for our mortgage or home equity products, as well as other home loan products. Other elements, like our own website rules and whether or not a product is available within your area or at your own personal credit score can also impact how and where products appear on this site. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on each credit or financial products or services. Trucks are a complex thing. There are so many models, and the size and strength you need will depend entirely on how you plan to use yours. Learn about the common features like powertrain, axles, cab size and towing capacity prior . Choosing a pickup truck is going to take research however, preparation can lead to an informed decision that will suit your needs and budget. What power do you need? A truck with more horsepower, towing capacity and torque will cost you more. It’s not all about price obviously, but you should think about whether you really require a high level of power prior to spending thousands of dollars on it. A diesel engine is a great option, and offers higher power will also cost you a lot. The V6 and V8 engines are more popular and provide more power, but there are also four-cylinder engines to accommodate smaller load sizes. If you’re looking to haul a lot for groceries, consider an engine that is smaller and comes with an automated gas engine that has good fuel efficiency. The less power you use will be more beneficial for your budget and needs. How much do you plan to haul? A mid-sized truck is your best bet if you don’t plan on hauling large boats or trailers. They’re more affordable and have better quality driving than their full-size counterparts. Midsize trucks are best suited to lighter loads rather than towing. And because of their weight reduction they also cost lower fuel costs. Which means if you have something to haul, opt for a large-sized truck. There are heavy-duty and light-duty options for virtually every model that is full-size. Naturally, trucks designed for light-duty use will haul less , but in addition, they offer more fuel efficiency because of their lighter weights. And remember: Towing capacities and the payload capability differ. Towing is the amount your truck can carry behind it. Payload is how much it can carry in its bed. Even if you don’t plan to attach a high-quality horse trailer to the back of your vehicle, you should make sure that its payload is sufficient for your requirements. Do you need two- or four-wheel drive? A truck with two-wheel drive will be less expensive and will offer . You can choose either front- or rear-wheel drive. Whatever you pick, it’s best suited to be used on roads. A truck with four-wheel drive is better for driving off the road and icy or slippery conditions, like on a boat ramp. You’ll have better traction, but your truck will not be as efficient in fuel. What kind of is the space you’ll need in your cab? The cab space is one of the more important factors for casual truck drivers. In the majority of cases, a crew cab will make the most sense even if it does mean spending more money. Single Cab is the traditional two-door design. They usually only accommodate three people, however they can often accommodate larger beds. Extended Extended cabs are essentially a cab and a half. You’ll have two smaller doors and a limited amount of legroom in the rear seat It’s nevertheless a good option to choose between one-cab and the crew cab alternatives. Crew Crew cabs are a four-door option that resembles an SUV or sedan. The space of a crew cabin varies by model and trim, but they are the best option if you have backseat passengers frequently. There are a variety of fuel options available. You’re not restricted to gas or diesel. Companies such as Ford have pledged to offer additional options in the near future. However, they are new options and might restrict your towing or payload capacity. Between diesel and gas, diesel engines are slightly more efficient in terms of fuel consumption. They also provide greater power to trucks that are in use. But, they’re also expensive to purchase and use fuel. For casual drivers, a gas engine may be the better choice. They offer more versatility and a lower price tag than diesel or electric engines. You’re more likely to find them on the. Long or short bed? The longer your bed, the smaller your taxicab. If a crew cab is required then you’ll likely be forced to use a smaller bed. If you want that larger bed, you might be forced to choose a single or extended cab. One thing you should consider is how often you will be placing things in the bed. If the truck you have is mostly for aesthetics -it’s fine with this — a narrower bed will be easier to park and maneuver. It’s also likely to be ample space to haul something larger. Used or new? New trucks will give you the possibility of being specific about every aspect of your vehicle as well as the exterior. It’s certainly a splurge — new trucks are expensive however If you’ve got a specific design, technology or other features you want to have, new is the way to take. Conversely, a used truck is a cheaper option. You may not be able to find the exact model you want, but you will get rid of the cost of depreciation. And if you only need something practical, there are older models available which are inexpensive and reliable. It’s all about your needs and budget. A new truck will be expensive but could be more efficient in fuel usage or have more technology. An older model truck might be less efficient on fuel, but the lower cost can make it more affordable to drive. Manual or automatic? It’s an individual decision. There isn’t a huge cost difference between them, though some trucks may come standard with one or the other. For city or suburban drivers, automatic offers the most comfortable experience. However, if you require more control while off-roading, manual transmissions might be better. Next steps Once you have looked at the main advantages of owning a truck start looking into specific models and trims. It will provide you with a good idea of the price range you’ll be contemplating. If you are aware of this, you’ll be able get you in the cab with a fair interest rate.
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Written by personal and business Finance contributor Kellye Guinan is a freelance editor and writer who has more than 5 years experience working in the field of personal finance. She also is an employee full-time at her local library where she helps the community gain access to information on financial literacy, in addition to other subjects. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain confidence to control their finances by providing clear, well-researched information that breaks down otherwise complicated subjects into bite-sized pieces.
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