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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 choices by offering interactive financial calculators and tools that provide original and objective content. We also allow you to conduct your own research and evaluate information at no cost and help you make informed financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that appear on this website are provided by companies that compensate us. This compensation could affect how and where products appear on this site, including such things as the order in which they may appear within the listing categories in the event that they are not permitted by law for our mortgage or home equity, and also other products for home loans. However, this compensation will affect the content we publish or the reviews that you see on this site. We do not include the universe of companies or financial offerings that could be open to you. AleksandarNakic/Getty Images

4 min read published 20th April 20, 2022

Written by Kellye Guinan. Written Personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with more than five years’ experience in personal finance. She is also employed full-time at the local library where she assists the community to access information about financial literacy, as well as other topics. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers feel confident to control their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites. The Bankrate promises

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We receive compensation for the promotion of sponsored goods and services or through you clicking certain hyperlinks on our site. Therefore, this compensation may affect the way, location and when products appear within listing categories, except where prohibited by law for our mortgage, home equity and other products for home loans. Other factors, like our own rules for our website and whether a product is available in your area or at your self-selected credit score range could also affect how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include specific information on every financial or credit product or service. Trucks are complex. There are a myriad of options, and the type and strength you need will depend entirely 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 . Choosing a pickup truck is a process of investigation however, preparation can make it easier to make an informed choice that fits your lifestyle and finances. How much power do you need? A vehicle with greater horsepower, towing capacity , and torque will cost you more. It’s not all about price however, it is important to be aware of whether you truly require a high level of power prior to spending thousands of dollars for it. Diesel engines is a great option, and offers more power — will also be costly. The V6 and V8 engines are more popular and provide more power, however, there are four-cylinder engines that can be used for lighter weights. If your biggest haul is for groceries, consider a more compact model that comes with an automated 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 ideal choice if have plans to haul large boats or trailers. They are more affordable and offer better performance than their full-size counterparts. Midsize trucks can handle smaller loads, not towing. Due to their weight reduction they also cost lower fuel costs. If you’ve got an item to pull, go for a full-size truck. There are heavy-duty and light duty options for almost all full-size models available. Naturally, trucks designed for light-duty use will haul less , but in addition, they offer more fuel efficiency because of their smaller weights. And remember: Towing capacities and the payload capability are different. Towing refers to how much your truck can haul behind it. Payload is how much it can accommodate in the bed. Even if you’re not planning to attach a high-quality horse trailer to the back of your truck, be sure the payload of the trailer meets your needs. Do you require four or two-wheel drive? A truck that has two-wheel drive is less costly and will offer . You’ll have the option of choosing either rear- or front-wheel drive. Whichever you choose, it’s best suited to stay on the road. A truck with four-wheel drive is better at handling off-road and icy or slippery conditions, such as on a boat ramp. You’ll have better performance, however, it isn’t as efficient when it comes to fuel. How much space in the cab do you require? The cab space is one of the primary aspects for truck drivers who are not experienced. In the majority of cases people, a crew cab is going to make the most sense even if it does mean spending more money. Single-cabs single cabs are the traditional two-door design. They usually only accommodate three people, but they can often accommodate longer beds. Extended cabs: Extended cabs are basically the equivalent of a cab and half. There are two doors that are smaller and a limited amount of legroom in the rear seat, but it’s a good option to choose between two cab choices. Crew cab: Crew cabs are the one with four doors that resembles an SUV or sedan. The size of a crew cab varies according to trim and model however they’re the ideal choice for those who have passengers in the back seat regularly. Options for fuel You’re not restricted to gasoline or diesel. Companies such as Ford are committed to offering more options in the future. However, these aren’t new and could limit your payload or towing capacity. Between diesel and gasoline, diesel engines are more fuel efficient. They also offer more power for trucks in operation. But, they’re also expensive to purchase and use fuel. For casual drivers, a gas engine may be the best choice. They offer more versatility and a lower price tag than diesel or electric engines. You’re more likely to find these on the bed , too. Short or long bed? It is likely that the larger your bed, the smaller your cabin. Therefore, if a team cab is required and you need it, you’ll end up with a shorter bed. If you require a longer bed, you may have to settle for a single or extended taxicab. What you need to consider is the frequency at which you’ll be placing things in the bed. If the truck is used mostly for show -and there’s nothing wrong with that — a shorter bed will be easier to maneuver and park. It’s likely to also provide more than enough space to haul something larger. New or used? New trucks offer you the possibility of being certain about every aspect of your vehicle, both interior and exterior. This is certainly an investmentnew vehicles can be expensive however when you’ve got a particular design, technology or other features you want to have then a new model is the best way to go. Conversely, a used truck is a cheaper option. It is possible to get the exact truck that you desire however, you’ll avoid that depreciation. If you’re just looking for something functional, there are older models on the market which are inexpensive and reliable. It’s all about your budget and priorities. A brand new car may be costly, but it might be more efficient in fuel usage or offer more tech. An older model truck might be less efficient in fuel, but the lower price point could mean it is cheaper to drive. Manual or automated? This is more of an individual decision. There’s no huge variation in price between these two options, however certain trucks might come with one or the other. For suburban or city motorists, automatic provides an easier experience. If you want more control when off-roading, a manual transmissions might be better. Next steps Once you have considered the bigger aspects of owning a truck begin looking at the actual models and models. It will provide you with a clear idea of the price range you’ll be looking at. When you’re aware of this, you’ll be able to get you in the cab at a reasonable rate of interest.


Written by Personal and business financial Contributor Kellye Guinan is a freelance editor and writer who has more than 5 years experience working in the field of personal financial planning. She’s also an employee full-time at her local library where she assists her community access information about financial literacy, in addition to other subjects. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing precise, well-studied information that breaks down otherwise complex topics into manageable bites.

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