Want to know the real deal on zero-percent financing and manufacturer rebates? Our experts cut through the hype to help you decide whether those special deals are the best choice for your budget.

Plus, before hopping into the driver's seat for a test drive, you've got a little homework to do. Check your credit. The lender will, so make sure you know the score before you begin shopping in earnest.

What could be wrong with zero-percent financing? -- Plenty, if you don't get a good price on the vehicle.

15 must-know auto-financing terms -- Beat the dealer at the game by speaking the same language.

Check your credit before shopping -- Dealers use credit scores when offering finance terms, so check your credit score before the shopping begins.

Line up your financing -- You'll be in a better spot to bargain if you have your financing prearranged.

10 rules for dealing with a dealer -- Tips for haggling down the price.

Buying a car on the Web -- More people than ever use it to shop. But what about to buy?

Top 10 ways to cut auto costs -- Bankrate readers share their special strategies for working a deal when buying a car.