It has been quite a year for me and that goes for all aspects of this year, I had no car payment at all for over nine years and finally the car that had given me all of those years of service was in need of replacing. I was happy to know that I would have a new car to drive but the idea of having to find auto credit seemed to be a bit of a hassle. The dealer had some options but I thought I could probably do better on my own. I was right, the loan I got was a better rate.