Although used cars are often times more affordable than their newer brethren, buyers may not be able to pay the entire cost of a used car in New York at the time of purchase, which necessitates loan considerations.

One way to reduce the costs of getting a loan is to cut out the middlemen of online loan providers, the affiliate agents who drive web users to various direct lenders, reports AutoCreditExpress.com. That can save on the overhead of the affiliate’s profit margin, and if applications are made within a couple days of each other, one’s credit score will not be negatively impacted.

However, those with bad credit may benefit from a firm that could advocate for them, like the website itself, since tightened credit requirements have made some lenders wary of buyers with shaky financial history, notes company blogger Steve Cypher.

Interested consumers could also take advantage of the financing and leasing trade associations in the UK, which offers a common sense guide for buying a car that includes information germane to most developed countries, according to Contracthireandleasing.com.

“Buyers often focus on the make and model of their next car, and how to pay for it is a distant second,” Paul Harrison, FLA head of motor finance, told the website.