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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 better financial decisions by offering interactive tools and financial calculators that provide original and objective content. We also allow users to conduct research and analyze information for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers including, 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 where products appear on the site, such as, for example, the order in which they appear within the listing categories in the event that they are not permitted by law for our mortgage and home equity products, as well as other products for home loans. However, this compensation will have no impact on the information we provide, or the reviews that you read on this site. We do not contain the vast array of companies or financial offerings that could be accessible to you. AleksandarNakic/Getty Images

4 min read Published 20th April, 2022

Written by Kellye Guinan. Written personal and Business Finance writer Kellye Guinan is a freelance editor and writer with more than five years’ experience in personal financial planning. She is also a full-time worker at her local library, where she assists people in her community gain access to information on financial literacy, in addition to other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping their readers feel confident to manage their finances through providing concise, well-researched and precise information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate promise

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We are compensated in exchange for the promotion of sponsored goods and services or through you clicking specific links on our site. This compensation could impact how, where and when products appear within listing categories, unless the law prohibits it for our mortgage home equity, mortgage and other home lending products. Other factors, like our own rules for our website and whether or not a product is offered in the area you reside in or is within your own personal credit score may also influence how and when products appear on this website. While we strive to provide a wide range offers, Bankrate does not include specific information on each credit or financial item or product. Trucks are complex. There are a myriad of options, and the type and strength you need depends on how you plan to use yours. 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 result in a well-informed decision that will suit your needs and finances. What power do you require? A truck with more power, towing capacity and torque will cost more. It’s not just about cost obviously, but you must consider whether you actually need an extremely powerful engine before spending thousands of dollars on it. A diesel engine that has greater power could also be costly. A V6 or V8 engine are the most common and have more power, but there are four-cylinder engines that can be used for lighter weights. If you’re planning to haul the most weight to buy groceries, think about 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. What is the amount you’re hauling? A mid-sized truck is the ideal choice if intend to haul trailers or big boats. They’re more affordable and have better quality driving over their larger counterparts. Midsize trucks are suited for lighter loads and are not suited for towing. Due to their weight reduction, you’ll also pay lesser for gas. This means that if you’ve things to haul, opt for a large-sized 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 smaller, but once again, they offer more fuel efficiency due to their smaller weights. And remember: Towing capacities and the payload capability are two different things. Towing is the amount your truck can carry behind it. Payload is the amount that it can handle in the bed. Even if you’re not planning to mount a strong-duty horse trailer onto the back of your vehicle, you should make sure that its payload is sufficient for the requirements of your. Do you need four or two-wheel drive? A vehicle with two wheels is less costly and will offer . You’ll have the option of choosing either front- or rear-wheel drive. Whichever you choose is the best choice to be used on roads. A truck with four-wheel drive is more for driving off the road and slippery, icy conditions like at a boat ramp. You get better performance, however, it won’t be as fuel efficient. What kind of space in the cab do you require? Cab space is likely to be one of the most important factors for casual truck drivers. For the majority of drivers people, a crew cab is going to be the best choice even if it does require more expense. Single Cab single cabs are the most classic style of two-door. They usually only accommodate three people, but they often have longer beds. Extended cabs: Extended cabs basically are the equivalent of a cab and half. They have two doors and limited leg room in the rear seat, but it’s a good compromise between the one-cab and the crew cab options. Crew cab: The crew cab is the one with four doors that resembles the SUV or sedan. The capacity of a cabin varies depending on the model and trim however they’re the ideal choice for those who have passengers in the back seat regularly. Options for fuel You’re not limited to just gas or diesel. Companies such as Ford are committing to providing more options in the future. But these are still relatively new choices and may restrict your towing or payload capacity. Between gas and diesel Diesel engines are more efficient in terms of fuel consumption. They also offer more power for trucks in operation. However, they’re more expensive to buy and fuel. For people who don’t drive often an engine powered by gas could be the best choice. They offer more versatility and are less expensive than electric or diesel engines. They are more likely to be found on them on the. Long or short bed? You will find that the longer your bed, the smaller the taxicab. So, if a crew cab is necessary, you will likely be stuck with a shorter bed. And if you need that larger bed, you might have to settle for an extended or single cab. What you need to consider is the frequency at which you’ll put things into the bed. If the truck is used mostly for show -it’s fine with it — a smaller bed will be easier to park and maneuver. It’s also likely to be more than enough space when you do need to transport something bigger. New or used? New trucks offer you the opportunity to be certain about every aspect of your ride inside and out. This is certainly an investment- new trucks are expensive however, If you’ve got a specific design, technology or other features in mind, new is the way to choose. Conversely, a used truck is a cheaper option. You might not be able to get the exact truck that you desire, but you will be able to avoid the depreciation. If you’re looking for something practical you can find older models on the market that are affordable and durable. It all depends on your needs and budget. A brand new vehicle will be expensive but could be more fuel efficient or have more technology. A used truck may be less efficient in fuel however, the lower cost could mean it is cheaper to drive. Manual or automated? It’s a personal choice. There’s no huge difference as far as price between these two options, however some trucks may come standard with one or both. For urban or suburban motorists, automatic provides the most comfortable to drive. However, if you require more control while off-roading, manual transmission might suit you better. Next steps Once you have thought about the major aspects of owning a truck, look into the the actual models and models. It will provide you with a clear idea of the cost you’ll be considering. And when you know this, you’ll be able book a cab at a reasonable interest rate.


Written by Business and personal finance writer Kellye Guinan is a freelance editor and writer with over five years of experience in personal finance. She is also an employee full-time 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 editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to control their finances with clear, well-researched information that breaks down complicated topics into digestible pieces.

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