From the following information, develop a coherent paragraph with a topic and support sentences. Strive for conciseness and coherence.
• Car dealers and lenders offer a variety of loan terms.
• To get the best deal, shop around when buying a new or used car.
• You have two payment options: you may pay in full or finance over time.
• You should compare offers and be willing to negotiate the best deal.
• If you are a first-time buyer—or if your credit isn’t great—be cautious about special financing offers.
• Buying a new or used car can be challenging.
• Financing increases the total cost of the car because you are also paying for the cost of credit.
• If you agree to financing that carries a high interest rate, you may be taking a big risk. If you decide to sell the car before the loan expires, the amount you get from the sale may be far less than the amount you need to pay off the loan.
• If money is tight, you might consider paying cash for a less expensive car than you originally had in mind.