If you are going to be getting another car, then you should consider getting an auto loan. There are many reasons why this may be a good way for you to go about things. Here are some good reasons for obtaining an auto loan when you plan on purchasing a car:  A pre-approval will help you know how much you can afford to spend If you haven't been able to determine what your bottom line is on how much you can spend on a car, then getting a loan pre-approval can really help.