There are many places on the web with help for car buyers such as Edmund's and Kelly blue book. I do have a few suggestions. First, do not buy a car based on payments, always think price. Learn how to calculate loan payments yourself. Second, know approximately what the car is worth before negotiating for it. Edmund's, Kelly Blue Book, and EBay motors are sources of prices. Third, remember "high bluebook" is an ASKING price, not a selling price. Fourth, if you are buying an expensive used car consider an inexpensive new car instead. You can get a 10 year power train warranty on a Hyundai and some other cars when purchased new. Finally, you are asking the right questions. It's time to get educated about the process. One other thing, it helps to take a friend with you. Your friend should understand that his job is to make you leave if the car salesmen start pressuring you (yes, they really do that). Have a code word your friend can use and if he says the code word, leave immediately. Do not be rushed. There is no deal that is good "today only".