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Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering interactive tools and financial calculators, publishing original and objective content. We also allow users to conduct research and compare information for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies who pay us. This compensation can affect the way and when products are featured on the site, such as, for example, the order in which they may appear in the listing categories, except where prohibited by law. This applies to our mortgage or home equity, and also other products that lend money to homeowners. This compensation, however, does not influence the information we publish, or the reviews that you read on this site. We do not contain the entire universe of businesses or financial deals that might be accessible to you. AleksandarNakic/Getty Images

4 minutes read. Published April 20 20, 2022

Kellye Guinan Kellye Guinan Written by Personal and Business Finance writer Kellye Guinan is a freelance editor and writer with over five years of experience in personal finance. She is also a full-time worker at her local library, where she assists the community to access information about financial literacy, in addition to other topics. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers feel confident to manage their finances through providing clear, well-researched information that breaks down complex subjects into digestible pieces. The Bankrate promise

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You have money questions. Bankrate has the answers. Our experts have been helping you master your finances for more than four years. We strive to continuously give our customers the right advice and tools needed to succeed throughout life’s financial journey. Bankrate adheres to strict standards , so you can trust that our information is trustworthy and reliable. Our award-winning editors and journalists create honest and accurate content to help you make the right financial choices. Our content produced by our editorial staff is factual, objective, and not influenced through our sponsors. We’re honest about how we are able to bring quality content, competitive rates and useful tools to our customers by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services, or through you clicking certain links posted on our website. So, this compensation can affect the way, location and in what order products are displayed within the listing categories, except where prohibited by law for our mortgage home equity, mortgage and other home lending products. Other factors, like our own rules for our website and whether the product is offered in your region or within your own personal credit score can also impact how and where products appear on this site. Although we try to provide the most diverse selection of products, Bankrate does not include specific information on every financial or credit product or service. Trucks are a complex thing. There are many different options, and the type and strength you require depends on how you’ll use it. Familiarize yourself with basic features like powertrains axles, cab dimensions, and towing capacity prior to . Selecting a pickup is going to take research however, preparation can make it easier to make an informed choice that is compatible with your lifestyle and finances. What power do you need? A truck that has more power, towing capacity and torque will cost you more. The price isn’t the only factor obviously, but it is important to think about whether you really require a high level of power prior to spending thousands of dollars to purchase it. Diesel engines — which offers even higher power will also be costly. A V6 or V8 engine is more popular and provide more power, however, there are four-cylinder engines that can be used for smaller weights. If you’re planning to haul the most weight to buy groceries, think about smaller models that offers an automatic gas engine with good fuel efficiency. Less power may work better for you and your budget. What is the amount you’re hauling? A midsize truck is your best option if you don’t plan on hauling trailers or large boats. They are more affordable and offer better performance than full-size models. Midsize trucks are suited for smaller loads, not towing. And because of their weight reduction they also cost lower fuel costs. Which means if you have an item to pull, go for a full-size truck. There are light-duty and heavy-duty alternatives for nearly all full-size models available. Naturally, trucks designed for light-duty use will haul less — but again they provide better fuel efficiency because of their smaller weights. And remember: Towing capacity and payload capacity are different. Towing refers to how much your truck is able to carry behind it. Payload is the amount it can carry in its bed. Even if you’re not planning to strap a heavy-duty horse trailer to the back of your truck, be sure its payload meets the requirements of your. Do you need two- or four-wheel drive? A truck with two-wheel drive is less costly and provide . You’ll have the option of choosing either front- or rear-wheel drive. Whichever you choose is best to stay on the road. A vehicle with four-wheel drive is better for driving off the road and slippery, icy conditions like at a boat ramp. You’ll get more performance, however, it will not be as efficient in fuel. What size of is the space you’ll need in your cab? Cab space is likely one of the primary factors for novice truck drivers. And for most, a crew cab will be the best choice even if it does require more expense. Single Cab is the most classic style of two-door. They typically only seat three people, however they often have more beds. Extended cabs: Extended cabs are essentially the equivalent of a cab and half. There are two doors that are smaller as well as a small amount of legroom in the back however, it’s a great compromise between the one-cab and the crew cab choices. Crew cabs: The crew cab is the four-door version that looks like the SUV or sedan. The size of a crew Cab is different according to trim and model however they’re the best choice if you have passengers in the back seat frequently. There are a variety of fuel options available. You’re not restricted to only gas or diesel. Companies such as Ford are committed to offering additional options in the near future. However, these aren’t new choices and may restrict your towing or payload capacity. Between diesel and gas the diesel engines are more fuel efficient. They also have more power for working trucks. However, they’re more expensive to purchase and use fuel. For those who aren’t experienced drivers, a gas engine may be the best choice. They offer more versatility and a lower price tag than electric or diesel engines. It is more likely to see them on the. Long or short bed? You will find that the longer your bed, the smaller the cab. So, if a crew cab is necessary, you will likely end up with a shorter bed. If you require a longer bed, you may have to settle for one or an extended taxicab. What you need to consider is how often you will be putting things in the bed. If the truck is used mostly for looks — and there’s nothing wrong with this — a narrower bed will be easier to park and maneuver. It will likely also be more than enough space when you do need to transport something bigger. Are you buying new or used? New trucks will give you the possibility of being certain about every aspect of your vehicle as well as the exterior. This is certainly an investmentnew vehicles can be expensive however, If you’ve got a specific trim, technology or other features you want to have, new is the way to take. A used car is a more reasonable option. You may not be able to get the exact truck of your dreams however, you’ll get rid of the cost of depreciation. If you’re just looking for something that is functional There are many older models available which are inexpensive and reliable. It’s all about your needs and budget. A brand new car will be expensive but could be more fuel efficient or feature more advanced technology. A used vehicle may be less efficient in fuel, but the lower price point could make it cheaper to drive. Manual or automated? It’s an individual choice. There’s no huge variation in price between these two options, however certain trucks might come with one or the other. For city or suburban motorists, automatic provides the most comfortable experience. But if you need more control when off-roading, a manual gear might work better. After you’ve considered the bigger aspects of owning a truck look into the specific models and trims. It will provide you with an idea of the price range you’ll be looking at. And when you know this, you’ll be able book a cab with a fair interest rate.

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Written by Personal and business finance writer Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal financial planning. She is also a full-time worker at her local library where she helps her community access information about financial literacy, as well as other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to manage their finances by providing concise, well-researched and well-organized information that dissects complicated subjects into bite-sized pieces.

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