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Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content. This allows users to conduct research and evaluate information at no cost – so that you can make financial decisions with confidence. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website come from companies that compensate us. This compensation can affect the way and when products are featured on the site, such as such things as the order in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity and other products that lend money to homeowners. This compensation, however, does have no impact on the information we provide, or the reviews you read on this site. We do not include the entire universe of businesses or financial deals that might be accessible 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 writer with more than five years of experience in personal financial planning. She is also a full-time worker at her local library where she assists the community to access information about financial literacy, among other subjects. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers feel confident to take control of their finances through providing concise, well-researched and precise information that breaks down otherwise complex topics into manageable bites. The Bankrate guarantee

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There are money-related questions. Bankrate has answers. Our experts have been helping you manage your finances for more than four years. We continually strive to provide consumers with the expert advice and tools required to succeed throughout life’s financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our content is honest and reliable. Our award-winning editors, reporters and editors produce honest and reliable content to help you make the right financial choices. The content we create by our editorial staff is objective, factual and is not influenced by our advertisers. We’re honest about how we are in a position to provide quality content, competitive rates, and helpful tools to you by explaining how we earn money. is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and services or when you click on certain links posted on our site. So, this compensation can influence the manner, place and in what order the products are listed within categories, except where the law prohibits it for our mortgage, home equity and other home loan products. Other elements, like our own website rules and whether or not a product is available within your area or at your personal credit score can also impact how and where products appear on this website. We strive to offer a wide range offers, Bankrate does not include specific information on every financial or credit products or services. Trucks can be a bit complicated. There are many different configurations, and the size and strength you need depends on how you plan to use yours. Be familiar with the most typical features such as powertrain and axles, the cab’s size and towing capacity prior . Picking a pickup truck is going to take research but being prepared will lead to an informed decision that is compatible with your lifestyle and financial needs. What power do you require? A truck that has greater horsepower, towing capacity and torque will cost you more. The price isn’t the only factor, of course, but you must consider whether you actually need an extremely powerful engine before you spend thousands of dollars to purchase it. Diesel engines — which offers even more power — will also cost you a lot. A V6 or V8 engine are the most common and have more power, but there are also four-cylinder engines to accommodate smaller load sizes. If you’re planning to haul the most weight for food items, you should consider an engine that is smaller and offers an automatic gas engine that is fuel efficient and has high efficiency. Less power may work better for you and your budget. How much are you hauling? A mid-sized truck is the best option if you don’t intend to haul trailers or large boats. They are more affordable and offer better performance over their larger counterparts. Midsize trucks can handle smaller loads, not towing. Because of their smaller weight you’ll pay lesser for gas. If you’ve got something to pull, choose a larger truck. There are light-duty and heavy-duty alternatives for nearly every model that is full-size. Naturally, trucks designed for light-duty use will haul less , but in addition they are more fuel efficiency due to their smaller weights. And remember: Towing capacity as well as payload capacities are two different things. Towing is how much your truck can carry behind it. Payload is how much it can accommodate in the bed. Even if you aren’t planning to mount a strong-duty horse trailer to the rear of your vehicle, you should make sure the payload of the trailer meets your needs. Do you require four- or two-wheel drive? A truck that has two-wheel drive will be less expensive and will offer . You’ll be able to select either rear- or front-wheel drive. Whichever one you pick, it’s best suited to be used on roads. A truck that has four-wheel drive is better for driving off the road and in slippery or icy conditions like on a boat launch. You’ll get more performance, however, it will not be as efficient in fuel. What size of is the space you’ll need in your cab? The cab space is one of the primary factors for novice truck drivers. For the majority of drivers people, a crew cab is going to provide the most value even if it does cost more. Single-cabs is the traditional two-door design. They are typically just able to accommodate three persons, but they often have larger beds. Extended Extended cabs are essentially an cab and a half. You’ll have two smaller doors and a limited amount of legroom in the rear seat, but it’s a good compromise between the two cab alternatives. Crew cabs: Crew cabs are the four-door version that looks like an SUV or sedan. The capacity of a cabin varies according to trim and model and are the best choice if you have passengers in your back on a regular basis. Options for fuel You’re not limited to just gas or diesel. Companies like Ford are committing to providing more options in the future. But these are still relatively new and could limit your payload or towing capacity. Between gas and diesel the diesel engines are more fuel efficient. They also provide greater power to trucks that are in use. But, they’re also expensive to buy and fuel. For casual drivers an engine powered by gas could be the best choice. They are more versatile and a lower price tag than electric or diesel engines. They are more likely to be found on these on the bed , too. A short or long bed? You will find that the longer your bedis, the smaller the taxicab. So, if a crew cab is required and you need it, you’ll be stuck with a shorter bed. If you require a larger bed, you might be forced to choose a single or extended taxicab. One thing you should consider is how often you will be putting things in the bed. If the truck is used mostly for aesthetics — and there’s nothing wrong with that — a shorter bed is easier to move around and park. It will likely also be more than enough space to carry something heavier. Used or new? New trucks will give you the opportunity to be specific about every aspect of your vehicle, both interior and exterior. It’s definitely a big investmentnew vehicles are costly however, If you’ve got a specific trim, technology or other features in mind, new is the way to take. On the other hand, a used vehicle is a more reasonable option. You might not be able to purchase the exact vehicle that you desire, but you will get rid of the cost of depreciation. If you’re looking for something practical you can find older models on the market that are affordable and reliable. It depends entirely on your budget and priorities. A brand new vehicle is expensive, but it could be more fuel efficient or have more technology. A used truck may be less efficient in fuel however the lower price can make it more affordable to drive. Manual or automated? This is more of a personal choice. There isn’t a huge cost difference between the two, although certain trucks might come with one or both. For city or suburban drivers, automatic offers the most comfortable ride. But if you need more control when off-roading, a manual gear might work better. The next step is to have looked at the main advantages of owning a vehicle, begin looking at specific models and trims. It will provide you with an idea of the cost you’ll be contemplating. And when you know this, you’ll be able take a taxi with a fair interest rate.


Written by Business and personal Finance contributor Kellye Guinan is a freelance editor and writer with over 5 years experience working in the field of personal financial. She’s also employed full-time at the local library where she helps people in her community get information about financial literacy, among other topics. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain confidence to manage their finances through providing concise, well-researched and well-organized information that breaks down otherwise complicated subjects into bite-sized pieces.

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