If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Buy Your First Car – 5 Steps To Buying a New Car

Buying a new car is an exhilarating experience.  It can also be come with confusion and many unexpected surprises. Whether you’re looking to buy your first car or a seasoned vehicle enthusiast, following a structured approach can help streamline the process. Also, it can ensure you get the best deal possible. Let’s break down the journey into five clear steps, from initial research to finalizing the deal.

buy your first car

Check out the 5 steps to buy your first car

5 Steps to Buy Your First Car

1. Determine Your Budget and Needs

  • Budgeting: Before you get attracted to the  shiny exteriors and impressive features, decide how much you can realistically afford. Remember to factor in not just the monthly car payments but also insurance, taxes, registration, and routine maintenance.
  • Needs vs. Wants: Consider the primary purpose of the car. Do you need it for daily commutes, long drives, or weekend getaways? Or are you splurging to fulfill a lifelong dream you had? Assess the number of passengers you’ll usually have, desired fuel efficiency, and necessary features. Create a list differentiating between ‘must-haves’ and ‘nice-to-haves’.

2. Conduct Thorough Research

  • Online Portals: There are many reputed sources to conduct research on buying a car.  Consumer Reports provide comprehensive reviews, pricing information, and comparisons between different models for you to make an informed decision.
  • Testimonials and Reviews: First-hand experiences from other buyers can offer great insights. Talk to people to gather insights.
  • Safety and Reliability: Check safety ratings and reliability scores from  reputable sources.

3. Test Drive and Experience

  • Book Appointments: Speak to the dealerships to make sure you have your expected models, features in the vehicle you are interested in. When you buy your first car, take time to do the test drives and make sure you are getting what you
  • Evaluate the Experience: Focus on how the car feels. Consider visibility, seating comfort, noise levels, and how intuitive the controls are.
  • Multiple Test Drives: Don’t hesitate to test drive multiple cars. Even if you’ve set your heart on one, driving others can reaffirm your decision or open your eyes to better options.

4. Financing and Negotiation

  • Financing Options: Decide whether you want to lease, finance, or buy the car outright. Each has its pros and cons. If financing, shop around for the best interest rates, don’t just settle for the dealership’s offer.
  • Negotiate: Remember, the sticker price is often just a starting point. Research the invoice price (what the dealer paid for the car) and aim for a price closer to that number. Additionally, be prepared to discuss trade-ins, if applicable.
  • Hidden Costs: Be wary of extended warranties or add-ons. Some might be beneficial, but many are just profit sources for the dealership.

5. Finalizing the Deal

  • Review the Contract: Take your time. Ensure all the numbers match what was discussed and that there are no hidden fees or unexpected additions.
  • Insurance: Before driving off the lot, you’ll need to have insurance in place. Often, you can add your new car to your existing policy with a simple phone call.
  • Take Delivery: Once everything is in order, you can take delivery of your new car. Conduct a final inspection, ensure you receive all the necessary paperwork, and don’t forget to get a tutorial on the car’s features!

Bottom Line

Buying a new car is a significant investment, and while it’s easy to get caught up in the excitement, making informed and calculated decisions will ensure you enjoy your purchase for years to come. By following these five steps, you’ll navigate the process with confidence and drive away knowing you made the best choice for your needs and budget. Safe driving!

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/buy-your-first-car-5-steps-to-buying-a-new-car
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=buy-your-first-car-5-steps-to-buying-a-new-car
Loaded Template: single.php