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Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive financial calculators and tools as well as publishing original and reliable content. This allows you to conduct research and compare information for free and help you make informed financial decisions. Bankrate has agreements with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that appear on this site are from companies who pay us. This compensation can affect the way and when products are featured on this website, for example, for example, the sequence in which they be listed within the categories of listing, except where prohibited by law. Our mortgage, home equity and other products for home loans. However, this compensation will have no impact on the information we publish, or the reviews you read on this site. We do not contain the vast array of companies or financial offers that may be open to you. AleksandarNakic/Getty Images

4 minutes read. Published April 20, 2022

Kellye Guinan Kellye Guinan Written by personal and Business Finance Contributor Kellye Guinan is a freelance editor and journalist with more than five years’ experience in personal finance. She also is employed full-time at the local library where she helps her community access information about financial literacy, in addition to other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers to control their finances with clear, well-researched facts that break down complicated topics into bite-sized pieces. The Bankrate promises

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If you have questions about money. Bankrate has the answers. Our experts have been helping you manage your finances for more than four years. We continually strive to provide consumers with the expert guidance and the tools necessary to make it through life’s financial journey. Bankrate follows a strict policy, which means you can be confident that our content is truthful and accurate. Our award-winning editors, reporters and editors produce honest and reliable information to assist you in making the right financial choices. The content created by our editorial staff is objective, factual and is not influenced from our advertising. We’re transparent about how we are in a position to provide quality content, competitive rates, and useful tools for our customers by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and when products appear within listing categories, except where it is prohibited by law for our mortgage home equity, mortgage and other home loan products. Other elements, like our own website rules and whether or not a product is available in the area you reside in or is within your own personal credit score could also affect how and when products appear on this site. While we strive to provide a wide range offers, Bankrate does not include specific information on each credit or financial item or product. Trucks can be a bit complicated. There are a myriad of options, and the type and strength you need will depend entirely on how you intend to utilize your truck. Be familiar with the most common features like powertrain axles, cab dimensions, and towing capacity prior to . Selecting a pickup is a process of investigation but being prepared will make it easier to make an informed choice that is compatible with your lifestyle and finances. What kind of power do you require? A vehicle with greater horsepower, towing capacity and torque will cost you more. It’s not all about price, of course, but it is important to think about whether you really require a high level of power prior to spending thousands of dollars for it. A diesel engine — which offers even greater power will also be costly. The V6 and V8 engines are more popular and provide more power, however, there are four-cylinder engines for lighter loads. If you’re planning to haul the most weight for groceries, consider an engine that is smaller and has an auto gas engine with good fuel efficiency. The less power you use will be more beneficial for you and your budget. How much are you hauling? A midsize truck is your best option if you don’t have plans to haul large boats or trailers. They’re more affordable and offer better performance over their larger counterparts. Midsize trucks are best suited to smaller loads, not towing. Because of their weight reduction, you’ll also pay lower fuel costs. If you’ve got an item to pull, opt for a large-sized truck. There are heavy-duty and light-duty options for virtually every full-size model out there. Naturally, trucks designed for light-duty use will haul less — but again, they offer more efficiency in terms of fuel consumption due to their lighter weights. Keep in mind that towing capacities and the payload capability are different. Towing is how much your truck is able to carry behind it. Payload is the amount it can handle in the bed. Even if you’re not planning to strap a heavy-duty horse trailer onto the back of your vehicle, you should make sure its payload meets the requirements of your. Do you need four- or two-wheel drive? A truck that has two-wheel drive is less costly and provide . You can choose either rear- or front-wheel drive. Whatever you pick is best for staying on the road. A vehicle with four-wheel drive is more suited to going off road and in slippery or icy conditions, like on a boat ramp. You’ll have better 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 probably to be one of the most important aspects for truck drivers who are not experienced. For the majority of drivers the time, a cab with a crew will provide the most value even though it will cost more. Single cab: Single cabs are the most classic style of two-door. They typically only seat three people, but they can often accommodate larger beds. Extended Extended cabs are basically an cab and a half. They have two doors and a limited amount of legroom in the back It’s nevertheless a good alternative to two cab options. Crew Crew cabs are a four-door option that resembles the SUV or sedan. The space of a crew cab varies by model and trim, but they are the ideal choice for those who have backseat passengers frequently. Fuel options You are not limited to just diesel or gas. Companies such as Ford have pledged to offer more in the coming years. However, they are new options and might restrict your towing or payload capacity. Between diesel and gasoline, diesel engines are a little more fuel efficient. They also offer more power for trucks in operation. But, they’re also expensive to buy and to fuel. For those who aren’t experienced drivers the gas engine might be the better choice. They’re more flexible and are less expensive than diesel or electric engines. It is more likely to see them on the , too. A short or long bed? It is likely that the longer your bed, the smaller your cab. So, if a crew cab is required, you will likely be forced to use a smaller bed. If you want that larger bed, you might have to settle for a single or extended cab. One thing you should consider is how often you’ll be putting things in the bed. If the truck you have is mostly for aesthetics — and there’s nothing wrong with that — a shorter bed will be more convenient to maneuver and park. It’s likely to also provide more than enough space to transport something bigger. Used or new? Newer trucks give you the possibility of being certain about every aspect of your ride as well as the exterior. It’s certainly a splurge — new trucks are expensive however, when you’ve got a particular style, technology, or other features in mind, new is the way to go. Conversely, a used truck is a more reasonable option. You may not be able to purchase the exact vehicle you want however, you’ll be able to avoid the depreciation. And if you only need something that is functional, there are older models available that are cheap and durable. It’s all about your needs and budget. A new truck is expensive, but it could be more efficient on fuel or offer more tech. An older model truck might be less fuel efficient however, the lower price point could mean it is cheaper to drive. Manual or automated? This is more of an individual choice. There isn’t a huge variation in price between them, though certain trucks might come with either one or the other. For urban or suburban drivers, automatic is the most comfortable experience. But if you need more control for off-roading, manual transmissions might be better. The next step is to have considered the bigger aspects of owning a truck, begin looking at specific models and trims. It will provide you with a clear idea of the price range you’ll be looking at. When you’re aware of this, you can to take a taxi 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. She also is a full-time worker at her local library, where she assists her community access information about financial literacy, as well as other topics. 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 manage their finances by providing precise, well-studied information that dissects complex topics into manageable bites.

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