CAR-BUYING QUESTIONS

How do I figure out what kind of car I actually need?

Start with how you really use a car day to day, not the occasional trip. Write down how many people you carry most weeks, what you haul, your commute length, where you park, your climate, and your all-in monthly budget. Then separate must-haves from nice-to-haves. That short list usually narrows you to one or two body styles. On OffLot, you can type those needs in plain English, like "a three-row hybrid under $45k," and Sophie, OffLot's AI buying guide, will search and filter for you.

General information, not legal or financial advice; rules vary by state and lender.

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