I wanted to apply for my first loan and I didn’t know where to begin.  I need a new car as mine is no longer very reliable and I am worried about making it through the winter.

I could just go to the dealership and get a car loan through them.  But that is not always the best option.  I want a cheap loan that will get me what I want for as little money as possible. 

Isn’t that what everyone wants out of life?

I could could go for an unsecured loan, but I don’t know if that would be the best decision either.  A bank loan is another option that usually offers a lower rate of interest, but still it is just not what I am looking for.

In the end, I am going to end up driving my jalopy for another winter and will end up making the loan decision only when I am force to.