Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by offering interactive tools and financial calculators that provide original and objective content, by enabling you to conduct research and analyze information for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies that compensate us. This compensation can affect the way and when products are featured on this website, for example for instance, the order in which they be listed within the categories of listing in the event that they are not permitted by law. Our mortgage or home equity, and also other home lending products. However, this compensation will have no impact on the information we provide, or the reviews appear on this website. We do not include the universe of companies or financial deals that might be available to you. AleksandarNakic/Getty Images

4 min read published April 20, 2022

Writer: Kellye Guinan Written by personal and Business Finance writer Kellye Guinan is an editor and writer on a freelance basis with over five years of experience in personal finance. She is also an employee full-time at her local library where she helps people in her community gain access to information on financial literacy, as well as other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers to manage their finances by providing concise, well-researched and precise information that breaks down complex subjects into digestible pieces. The Bankrate guarantee

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This compensation could influence the manner, place and when products appear within listing categories, with the exception of those it is prohibited by law for our mortgage or home equity products, as well as other home loan products. Other factors, like our own website rules and whether or not a product is offered in your region or within your own personal credit score could also affect how and where products appear on this site. We strive to offer an array of offers, Bankrate does not include information about every financial or credit products or services. Trucks can be a bit complicated. There are so many configurations, and the size and strength you require will depend entirely on how you intend to utilize your truck. Be familiar with the most common features like powertrain, axles, cab size and towing capacity prior . Selecting a pickup is going to take research but being prepared will make it easier to make an informed choice 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. It’s not just about cost obviously, but it is important to think about whether you really require the power of a large amount before spending thousands of dollars for it. Diesel engines is a great option, and offers greater power could also cost you a lot. A V6 or V8 engine are the most common and have more power, but there are four-cylinder engines that can be used for lighter weights. If your biggest haul is for food items, you should consider a more compact model that offers an automatic gas engine with good fuel efficiency. The less power you use will be more beneficial for your budget and needs. What is the amount you’re hauling? A mid-sized truck is your ideal choice if plan on hauling trailers or large boats. They are more affordable and offer better performance than their full-size counterparts. Midsize trucks are best suited to lighter loads and are not suited for towing. And because of their weight reduction you’ll pay lower fuel costs. If you’ve got something to haul, 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 can carry less , but in addition, they offer more fuel efficiency because of their smaller weights. Keep in mind that towing capacity and payload capacity are different. Towing refers to 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 onto the back of your truck, make sure that its payload is sufficient for your requirements. Do you require two- or four-wheel drive? A truck that has two-wheel drive will be less expensive and offer . You can choose either rear- or front-wheel drive. Whatever you pick, it’s best suited to stay on the road. A truck with four-wheel drive is better at handling off-road and slippery, icy conditions like on a boat launch. You’ll have better traction, but your truck isn’t as efficient when it comes to fuel. What size of cab space do you need? The cab space is one of the more important factors for casual truck drivers. In the majority of cases people, a crew cab is going to provide the most value, even if it does cost more. Single-cabs single cabs are the most classic style of two-door. They usually only accommodate three persons, but they often have more beds. Extended cab: Extended cabs basically are a cab and a half. There are two doors that are smaller as well as a small amount of legroom in the back seat It’s nevertheless a good alternative to single and crew cab options. Crew Crew cabs are the four-door option that resembles the SUV or sedan. The size of a crew cabin varies according to trim and model however they’re the best choice if you have passengers in your back on a regular basis. Options for fuel You’re not restricted to only gas or diesel. Companies like Ford are committing to providing more in the coming years. But these are still relatively new choices and may limit your payload or towing capacity. Between gas and diesel the diesel engines are a little more efficient in terms of fuel consumption. They also offer more power for trucks in operation. But, they’re also expensive to buy and to fuel. For people who don’t drive often, a gas engine may be best. They’re more flexible and a lower price tag than diesel or electric engines. They are more likely to be found on them on the , too. Long or short bed? It is likely that the longer your bedis, the smaller your taxicab. So, if a crew cab is necessary, you will likely be stuck with a shorter bed. And if you need that larger bed, you might be forced to choose a single or extended taxicab. One thing you should consider is the frequency at which you’ll be placing things in the bed. If the truck you have is mostly for show -and there’s nothing wrong with that — a shorter bed will be more convenient to move around and park. It’s also likely to be ample space when you do need to transport something bigger. Used or new? New trucks will give you the possibility of being particular about the entirety of your vehicle, both interior and exterior. It’s definitely a big investmentnew vehicles can be expensive however if you have a style, technology, or other features in mind it’s best to take. On the other hand, a used vehicle is a cheaper option. You may not be able to find the exact model of your dreams however, you’ll avoid that depreciation. And if you only need something that is functional There are many older models available that are affordable and reliable. It depends entirely on your priorities and finances. A brand new car will be expensive but could be more efficient in fuel usage or offer more tech. An older model truck might be less efficient on fuel, but the lower cost can make it more affordable to drive. Manual or automatic? 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 motorists, automatic provides the most comfortable to drive. If you want more control when off-roading, a manual transmissions might be better. The next step is to have considered the bigger aspects of owning a vehicle, look into the actual models and trims. This will give you a clear idea of the price range you’ll be contemplating. If you are aware of this, you’ll be able book a cab at a reasonable rate of interest.


Written by personal and business financial writer Kellye Guinan is a freelance editor and writer with over five years of experience in personal finance. She’s also employed full-time at the local library, where she assists the community gain access to information on financial literacy, among other topics. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances by providing precise, well-studied information that breaks down otherwise complicated subjects into bite-sized pieces.

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