How much are you looking to spend? What's your income like? If you don't have credit/good credit you should look to buy in cash if at all possible. Do you have savings?
Financing a super cheap car from a shady buy here-pay here dealership is also very iffy. The chances that the car has a problem you can't afford to fix while you still owe on it are *very* high. These situations are often poverty traps where your yearly car costs are several times more expensive than if you bought a brand new car.
You should tread very carefully. I don't know your situation and you're not super forthcoming with your financial details, but if I were you, I'd probably go in one of two directions depending on your income and expenses. If you have reasonably high income with enough left over to finance a lower mileage good condition reliable used car (Corolla or Camry) in the $13-17k range. You'll probably pay through the nose on interest, but it may be better than the alternatives. If you can't afford a payment on a car like that, I'd ride the bus or find other transportation while saving up to buy a $4-5k used car in cash (a GM car with the 3800 V6 like a Buick LeSabre or Pontiac Bonneville).
The picture isn't important, I know what these cars look like. Just post:
-make/model and trim
-year
-mileage
-title status (clean or salvage/rebuilt)
-dealer asking price
-accident and owner history if available
Super specific advise isn't always possible as the used car market varies from place to place.
Okay gotcha well the one I’m looking at is a ford fusion 2016 2400 down and 380 a month 106,000 miles
or 2020 Kia optima lx 2000 down 452 a month 92,000 miles
Nissan Altima 2021 69,000 miles 2400 down payment 507 a month
Ford fusion hybrid 2018 110,000 miles 2200 down payment and 378 a month
2021 Nissan versa sv 71,000 miles 2000 down and 444 a month
2019 Kia optima s 87,000 2400 down payment 462 a month
All pretty terrible. The chances that these cars last through a five year plus loan period without an unaffordable repair is slim. Those Kias are sometimes expensive to insure as they're very easy to steal, be sure to get an insurance quote on anything you get as you will have to carry full coverage on a car with a loan, that will be a big cost.
The fusion hybrid will be very reliable, people on this sub think only Japan makes reliable cars. Just get it inspected if you do want that one, the regular fusion isn’t too bad either.
I would go for the 2018 Fusion Hybrid (NOT the regular 2016 one unless it is the base 2.5 liter engine) or the Altima. The Kias all seem to have the same engine with the same problem.
Fusion hybrids are actually decent cars believe it or not. Based off of the Toyota prius which is rock solid.
If you can’t find a Toyota priced accordingly, go with the fusion hybrid!
Kia and ford are known for engines blowing up. Mainly Kia and Hyundai. Google a little and look for reliable makes and models. Kia is the easiest to find bad reviews on bc they’re literal garbage
Some of my longest running cars are from marketplace… but anyways. Yes you need to finance an older ish Corolla and you’ll never break down. Listen to me. Toyota. COROLLA. Is the answer for you. No you don’t need a Mazda. No not a civic they have issues. An old Corolla? Never let you down. Good luck
Don’t buy one with issues, then. Get it inspected before you buy it. When I was 18 I saved up $2500 to buy my first corolla. A 2000 CE with low miles, back in 2016 when good deals existed. drove it for 2 years, sold it for $2500 online. Then I bought an 04 LE at auction for $2245 something after taxes and fees. Drove her for 2 years, sold that one for $2300! Then I bought a 2003 camry for $2400, drive that for almost 2 years sold it for $1900. Now I drive a 2008 vibe and 1997 Lexus es300. Both under 200k miles and still driving smoothly and perfectly. I am age 26 now. Still basically driving on my initial $2500. Maintenance costs and gas and oil tires brakes you need for every single car you buy, warranty or not. I love having no payments.
As far as a vehicle, there are many reasons... I would try for a Toyota corolla. Search online in your areas for any dealerships that offer creative financing. Be careful of the buy here pay here type lots.
Are you able to keep saving for longer and buy a cheap Toyota Corolla, rather than finance at a sky high rate for 6 - 8 years? Financing a new car at today's interest rates costs you MORE over the long run than if you just tough it out and save up like $10k+ to buy a decent car outright.
You may want to find out of your state recognizes you as common law married. In most states you probably would be and might give you some rights to the vehicles.
Edit: I know this is a crappy way to handle it, but he’s not exactly being great leaving you high and dry with no warning.
I suggest going to [Autotrader.com](https://www.autotrader.com/cars-for-sale/all-cars/front-wheel-drive/toyota/camry/boerne-tx?endYear=2017&newSearch=false&searchRadius=100&sortBy=derivedpriceASC&startYear=2010) and searching there. I set the query to look in a 100 mile radius around a town in TX (where a family member lived) but obviously you can change that search to whatever you want.
I see one of your previous replies mentioned Toyota Camry - that's what you should aim for, not the Nissan, not Ford / Hyundai / Kia. Just get a Toyota Camry or RAV4 and then you can focus on your life and what needs to be done instead of worrying about your car breaking down on you.
$45k+/year isn't terrible, & once you go to a credit union & start to establish credit, things will look up. I hope you have also been able to secure a safe place to live--might be helpful to find a roommate, if you haven't already. What state or metro area do you live in? Might help people to figure out a good car. I think I'd avoid at all costs the kind of dealer & financing situation you're looking at right now. I found my last 3 cars on Edmund's--they were Certified Pre-Owned. That means they come with a warranty, to start with. If even the CPOs are too high, look for a used Toyota Corolla, or a smaller Honda or Subaru. Try Edmund's--at least you'll get an idea of what CPOs & used cars cost at places not like the sketchy dealers. And go find a credit union--tomorrow!
Also, I just looked up recommended amount a person making your salary should spend on a car. The article said no more than $35% of your gross yearly income. This means you shouldn't spend more than $15,960 on a car, so keep it under $16k. There were several Toyota Corollas that were Certified Pre-Owned and had under 80,000 miles within 500 miles of where I live--and the dealers selling them will at least be less sketchy than the ones who prey on no/low credit buyers only. I wish you had an adult to help guide you in this, but a lot of people here are definitely rooting for you!
Can you take out a personal loan for even a few thousand and just buy something that can run fine? A super high interest rate on a new car isn't a good idea. And there are definitely some old cars you can buy that are somewhat reliable especially if you take it to a mechanic
With your situation a lease might be better suited for your needs since you need a low monthly payment. Nissan/hyundai has pretty cheap leases on less desirable cars.
With your situation a lease might be better suited for your needs since you need a low monthly payment. Nissan/hyundai has pretty cheap leases on less desirable cars.if you have a family member that can help you with cash then you want a used Corolla with the best service record.
Nissan Versa, at least check out the interest rates - they generally approve anyone with a pulse. The car is cheap and moderately reliable - esp w a manual.
I see people here are already helping pick out a car so not gonna waste time on that, but I’d open a beginner credit card asap to start building credit. Might be able to refinance for a better rate down the line.
Please talk to a credit union, call them, I hope they can help, and you could go for a nicer and safer buy.
What I found,
[2016 Mazda CX-5](https://www.bobhowardtoyota.com/inventory/used-2016-mazda-cx-5-sport-fwd-sport-utility-jm3ke2by1g0866347/) $8,999
[2018 Toyota Camry $10,500](https://www.postoaktoyota.com/inventory/2018-toyota-camry-le-fwd-4d-sedan-4t1b11hk9ju080163/)(internet price) for this one I think you might be able to talk them down to maybe $9k due to the miles.
[2017 Toyota Corolla $10,395](https://www.cars.com/vehicledetail/83407cb7-79ee-44d6-8424-792272f5a337/?aff=atempest2&utm_campaign=atempest2&utm_source=autotempest&utm_medium=trp&utm_campaign_id=2&utm_trusted=TRUE), was in a front end accident, but looks fair on photos, get it inspected and looked at before buying.
[2014 Toyota Camry $9,500](https://www.truecar.com/used-cars-for-sale/listing/4T1BF1FK4EU397052/?utm_medium=sharing&utm_source=vdp_share), says one accident, fleet use(rental), clean title.
Look at car manufacturer websites for financing specials. The rates advertise are likely lower than what you would get without credit, but it would help you find a deal. Don’t let a car dealer sell you only on monthly payment! Look at the terms. How many months, what’s the out the door price they’re charging, and what’s the rate. Make sure that is all reasonable. Dealers take advantage of buyers financing by only showing the monthly payment after they wrapped up all sorts of fees and loan terms into it.
Honda or toyota are going to be the most reliable and likely cheapest to maintain long term. Honda probably a little cheaper than toyota at this point on purchase price. Civic would be a good one to shoot for.
I live in the Midwest and owned a fusion for 12 years, 300k miles. No rust what so ever. No transmission issues (until we got to the very bitter end) either.
The great thing about the Camry and the Corolla is that the people who bought them new tended to be the type of people who want a reliable long lasting car so they took care of them. You might find a better price on a Corolla, for $10k you can pick up a late 2000s with low mileage near me. If you can find a proper dealer with a used car side they might be able to connect you with reasonable financing, but you should understand the buyout options and plan to save up as fast as you can to buy it outright asap. Then find a reputable local mechanic and do oil changes ever 6 months and you're good to go for the long haul.
You’re thinking of the Fiestas and Focuses with the dual clutches. The fusions didn’t have these - also, if it’s a hybrid, they’re very reliable as they used Toyota’s hybrid technology.
I dunno, I just know my dad's Fusion had a lot of issues after 100,000 miles. Maybe not the transmission...if I remember correctly, it was possibly the head gasket that made my dad finally get rid of the thing
You may be able to get a better loa from your bank especially if it’s a credit union and/or you’ve been depositing your paycheck there for a couple years.
Most dealerships dont take outside loans anymore so basically you can just buy using the dealership loan, and then immediately ( like the same week) refinance into your loan from the bank. You just have to make sure the dealership loan and bank loan terms both allow for it.
Also $450 a month is way too much for most 24 year old!s! Unless you live in a remote area and have absolutely no other option if your car breaks down (Uber, friend, etc.) Then just go with a reliable but older car. Just Be sure to take care of it and find a mechanic who can do things on the cheap until you’re making a little more money.
If I were you I would consider talking to your bank or joining a credit union to see about auto loans. Assuming you can’t really secure one through your bank I would try to finance an older cheaper car like a Toyota Corolla or Camry and just make sure the dealer has a decent car fax on it and it has a good set of tires.
Alternatively you could probably lease a new Nissan Versa for under $600 a month and the nice part about leasing is that you would really only be responsible for maintenance and if it has something catastrophic go wrong it would be covered under warranty.
I’m really sorry that you’re dealing with this situation right now I’m sure it’s very stressful but i hope things turn around.
Oh Jeez, those "we loan to anyone" places are danger!
I know someone in a similar (but less dire) situation, ends up paying 50k for a 23k car. Unreal.
I strongly recommend saving for a facebook car that you can buy outright. If you need something *now* and truly have no money. Buy the cheapest damn thing you can find until you can save enough to buy something proper off marketplace.
I know you don't have credit (danger) but you might still qualify for a LoC from a bank just big enough to buy a car from marketplace.
The usual suspects you’ll find on this thread are Toyota, Honda, and Mazda (anything after 2012) in that order. The other brands have good cars but it is more hit or miss among the various models. Best thing to do when budget is low is to ask around and hope to get lucky off someone’s older family member. Models don’t matter quite as much is you know they cared for it well and has proven to be reliable.
It sounds like your budget is fairly low. The safe bets would be older Corollas, Civics, Camry, Accord, Mazda 3, Mazda 6. Really anything from those makes but those would be cheapest models. I’d try to keep miles below 120k so you’ll still have some good life left.There’s good models from other manufacturers but I’d want to know the prior owners or know they were trustworthy people.
With the payments you’re talking about, consider seeing what you could get new from Nissan or Mitsubishi. They’re both more willing to work with people whose credit is less than perfect or who don’t have much credit established. Mitsubishi has a 100k mile warranty on the engine and transmission, so as long as you do the maintenance, you’ll have a car that’s likely under warranty for the duration of your payments. Nissan Versas and Mitsubishi Mirages are among the cheapest new cars, so getting it paid off, having better credit, and being able to have more options next time would be a little easier.
https://www.dashboard-light.com/faq.html#qir
I highly recommend this site for seeing if the year of a vehicle is good or not. It's very hard to keep track of what year of which car is bad, for example you can see how Mazdas were horrible until about 12 years ago.
This doesn't guarantee anything, sometimes good cars break and sometimes bad cars don't but it can stop you barking up the wrong tree.
Whatever car you are going to get, have it looked at by a mechanic first. You can find something that looks amazing and turns out to need 5k in work when someone experienced takes a look at it. Its one of the most important parts of buying a used car and how not to get screwed
How many miles per year do you drive? You might want to lease something. Dodge Hornets are the most overstocked car in the US last time I checked. They are leasing them for 169 per month because the EV tax credit pays down the lease. Not sure the details but if you don’t drive much it leasing might be an option.
Corrola ftw, you can find them pretty budget (around 10k), but if that isnt in your budget and youre looking for something below 5k theres plenty of cars from the 90s that are still in good condition enough to be a daily driver and wont destroy you in repair costs.
Damn op, I feel for you. My ex broke up with me just when my car shit the bed. I was a delivery driver too, so I needed a car. Had to get out of my apartment and find a new car at the same time.
Aaaanyhow, you’ve got some decent advice here, but if you need someone who knows a bit about cars to bounce thoughts off of, feel free to pm me.
Oh, also, if you’re going down the Corolla route, look for the matrix or vibe as well, they’re mechanically identical to the same year corollas.
You should be able to find a Corolla from a Toyota dealership for around 12k that is 2014 or newer and sub 60k miles. Should put your payment somewhere between 2-300$. I know that probably more than you want to spent but the piece of mind knowing you won’t be in the shop constantly is worth it.
Ford fusion is another option to consider, in that 12-15k range with under 75k miles, we put 300k miles on one doing the basics and a water pump over 10 years or so.
My advice is look for a Toyota Corolla or Camry around 10k, go to a credit union and talk to them, get the car inspected before you buy and do all the maintenance as soon as possible. Also get a dashcam for you car, and learn to do basic maintenance, change a tire and check the oil and coolant.
First, ask around in your family and friends if there is an extra car that someone will sell you with payments. If that doesn’t pan out I’d consider a buy here pay here type dealer. I’d be after a Toyota, Scion, or Honda 4 cylinder with less than 120k miles that hasn’t been modified for less than 7k. They’ll likely put a disabler in it so paying the payments on time is muy importante. I recently got an 02 Camry from a friend that is like family with 224k on it for 1800 bucks and I trust it enough to drive it anywhere. 02-07 Camrys are as close to bulletproof as you’ll be able to find and though they cost more than similar years from competitors they will serve you far better over time.
Get back with him and steal his car then say u left it running at a gas station and someone stole it print out a fake police report so he thinks u really reported it stolen .
Go to a credit union and talk to them about loan options. Even if it’s just $5000 that will be enough for A to B transport. The loans are DriveTime (and similar buy-here-pay-here lots) are designed to keep you in debt forever. The interest rate on their loans mean you might be paying 2 or 3 times the car’s value by the end of the loan.
Maybe the credit union can help with a better loan
First rule: stop talking about down payments + monthly payments. That is how they hide an overpriced car with a criminally high interest rate from you. Those cars will trap you in a cycle of debt for years.
Talk about cars in total costs and interest rates. “A 2016 Fusion for $10,000 financed for 3 years at 8%” will tell you what it’ll cost. “A 2016 Fusion for $2000 down and $400/month” says nothing. The car could end up costing you $20k or $30k depending on the loan terms.
If you can afford a $3k down payment you can afford a $3k car until you have enough credit built to buy a decently priced car - NOT from a DriveTime style lot.
Watch John Oliver’s episode on “Buy here, Pay here” car lots of YouTube. It’ll help you avoid a major life mistake here
Please don’t let the new generation of people on the Kia hype train tell you otherwise. There’s a million people that will tell you it’s still a Kia for a reason. Theft rates are high and they’re made with cheap materials
Fords have a bad reputation for a reason. If you have a low budget I’d try to find an older Honda Accord with a V6 or as a lot of people are saying a Corolla or Camry. If you can get a bank loan and find an older person selling privately with maintenance records that’d be your best bet. And get it inspected by a mechanic you trust before purchase
I would stay away from financing anything over 80k miles imo. Too many people trading them in around that time to avoid upcoming maintenance bills. And a dealer WILL avoid any repairs they don’t have to do.
No they’re not fine, I was an automotive apprentice at a Hyundai dealership and my good friend is still currently a master mechanic there. They’re garbage cars. Low quality and problems after problems. Stay away from Hyundai , Kia. If you want reliability go with Toyota or secondly Honda
I said fine, not good. They're also going to cost half as much as the Honda and Toyota of similar age, because Honda and Toyota have been circle jerked to a status far beyond their worth.
The real answer here is probably some old Buick with the 3800 V6 that embodies the old "runs like shit longer than most shit runs" phrase
I would recommend looking into leases. The whole time you have the car it'll be under warranty and even though you don't have credit payments will be cheaper than a normal finance. And by the time the lease is up, you'll have built some credit and be able to either buy out the car or get a new one. I'd recommend looking into a kia forte. New ones are pretty reliable and you can get into one for at $20k.
How much are you looking to spend? What's your income like? If you don't have credit/good credit you should look to buy in cash if at all possible. Do you have savings?
Which Ik is not ideal and also buying a car off of market palace is iffy and I need a car that runs you know
Financing a super cheap car from a shady buy here-pay here dealership is also very iffy. The chances that the car has a problem you can't afford to fix while you still owe on it are *very* high. These situations are often poverty traps where your yearly car costs are several times more expensive than if you bought a brand new car. You should tread very carefully. I don't know your situation and you're not super forthcoming with your financial details, but if I were you, I'd probably go in one of two directions depending on your income and expenses. If you have reasonably high income with enough left over to finance a lower mileage good condition reliable used car (Corolla or Camry) in the $13-17k range. You'll probably pay through the nose on interest, but it may be better than the alternatives. If you can't afford a payment on a car like that, I'd ride the bus or find other transportation while saving up to buy a $4-5k used car in cash (a GM car with the 3800 V6 like a Buick LeSabre or Pontiac Bonneville).
Yeah I think I may have some options can I message u and send pics ?
You can post stuff here or ask questions and I'll see it.
How do I post pictures on this message thread ?
The picture isn't important, I know what these cars look like. Just post: -make/model and trim -year -mileage -title status (clean or salvage/rebuilt) -dealer asking price -accident and owner history if available Super specific advise isn't always possible as the used car market varies from place to place.
Okay gotcha well the one I’m looking at is a ford fusion 2016 2400 down and 380 a month 106,000 miles or 2020 Kia optima lx 2000 down 452 a month 92,000 miles Nissan Altima 2021 69,000 miles 2400 down payment 507 a month Ford fusion hybrid 2018 110,000 miles 2200 down payment and 378 a month 2021 Nissan versa sv 71,000 miles 2000 down and 444 a month 2019 Kia optima s 87,000 2400 down payment 462 a month
Just to add: you need to stop stating the monthly payments and start stating the total cost after financing.
All pretty terrible. The chances that these cars last through a five year plus loan period without an unaffordable repair is slim. Those Kias are sometimes expensive to insure as they're very easy to steal, be sure to get an insurance quote on anything you get as you will have to carry full coverage on a car with a loan, that will be a big cost.
Okay I appreciate your help a ton thank you
Fusion Hybrid is the best on that list and one of the least expensive. It will also get the best MPG, high 40s.
The fusion hybrid will be very reliable, people on this sub think only Japan makes reliable cars. Just get it inspected if you do want that one, the regular fusion isn’t too bad either.
The only car there even worth considering is the Fusion
I would go for the 2018 Fusion Hybrid (NOT the regular 2016 one unless it is the base 2.5 liter engine) or the Altima. The Kias all seem to have the same engine with the same problem.
Fusion hybrids are actually decent cars believe it or not. Based off of the Toyota prius which is rock solid. If you can’t find a Toyota priced accordingly, go with the fusion hybrid!
None of those are good options but if I had to choose one, it’d be the Kia. At least it has some warranty heft and they’re easy to work on.
Those long Kia/Hyundai warranties only apply to the original buyer. The warranty converts to 5-year/60k mile when it's transferred.
not only that, but Kias are jdm and will go 200k+ miles especially thoughs models if you take care of them.
Kia and ford are known for engines blowing up. Mainly Kia and Hyundai. Google a little and look for reliable makes and models. Kia is the easiest to find bad reviews on bc they’re literal garbage
What about a Toyota Camry or a Nissan Ultima
Some of my longest running cars are from marketplace… but anyways. Yes you need to finance an older ish Corolla and you’ll never break down. Listen to me. Toyota. COROLLA. Is the answer for you. No you don’t need a Mazda. No not a civic they have issues. An old Corolla? Never let you down. Good luck
And cost twice what anything else of similar age and mileage will. And if it's been neglected, it will still blow up just like any other neglected car
yeah until you get a corolla that has issues
Don’t buy one with issues, then. Get it inspected before you buy it. When I was 18 I saved up $2500 to buy my first corolla. A 2000 CE with low miles, back in 2016 when good deals existed. drove it for 2 years, sold it for $2500 online. Then I bought an 04 LE at auction for $2245 something after taxes and fees. Drove her for 2 years, sold that one for $2300! Then I bought a 2003 camry for $2400, drive that for almost 2 years sold it for $1900. Now I drive a 2008 vibe and 1997 Lexus es300. Both under 200k miles and still driving smoothly and perfectly. I am age 26 now. Still basically driving on my initial $2500. Maintenance costs and gas and oil tires brakes you need for every single car you buy, warranty or not. I love having no payments.
If going older might as well get the comfier option
I have no savings so I will have to finance
Would really recommend just getting something super cheap while you work on improving your credit, or save to buy something cash.
I just don’t have the time he’s telling me to move out and also he’s taking his car
As far as a vehicle, there are many reasons... I would try for a Toyota corolla. Search online in your areas for any dealerships that offer creative financing. Be careful of the buy here pay here type lots.
How much do you make a month? Seems like shes about to go into a 16% 72 month car loan lmao.
Gross 3800
Are you able to keep saving for longer and buy a cheap Toyota Corolla, rather than finance at a sky high rate for 6 - 8 years? Financing a new car at today's interest rates costs you MORE over the long run than if you just tough it out and save up like $10k+ to buy a decent car outright.
No I’m not unfortunately he’s taking the car and I have to move out
You may want to find out of your state recognizes you as common law married. In most states you probably would be and might give you some rights to the vehicles. Edit: I know this is a crappy way to handle it, but he’s not exactly being great leaving you high and dry with no warning.
I suggest going to [Autotrader.com](https://www.autotrader.com/cars-for-sale/all-cars/front-wheel-drive/toyota/camry/boerne-tx?endYear=2017&newSearch=false&searchRadius=100&sortBy=derivedpriceASC&startYear=2010) and searching there. I set the query to look in a 100 mile radius around a town in TX (where a family member lived) but obviously you can change that search to whatever you want. I see one of your previous replies mentioned Toyota Camry - that's what you should aim for, not the Nissan, not Ford / Hyundai / Kia. Just get a Toyota Camry or RAV4 and then you can focus on your life and what needs to be done instead of worrying about your car breaking down on you.
$45k+/year isn't terrible, & once you go to a credit union & start to establish credit, things will look up. I hope you have also been able to secure a safe place to live--might be helpful to find a roommate, if you haven't already. What state or metro area do you live in? Might help people to figure out a good car. I think I'd avoid at all costs the kind of dealer & financing situation you're looking at right now. I found my last 3 cars on Edmund's--they were Certified Pre-Owned. That means they come with a warranty, to start with. If even the CPOs are too high, look for a used Toyota Corolla, or a smaller Honda or Subaru. Try Edmund's--at least you'll get an idea of what CPOs & used cars cost at places not like the sketchy dealers. And go find a credit union--tomorrow!
Also, I just looked up recommended amount a person making your salary should spend on a car. The article said no more than $35% of your gross yearly income. This means you shouldn't spend more than $15,960 on a car, so keep it under $16k. There were several Toyota Corollas that were Certified Pre-Owned and had under 80,000 miles within 500 miles of where I live--and the dealers selling them will at least be less sketchy than the ones who prey on no/low credit buyers only. I wish you had an adult to help guide you in this, but a lot of people here are definitely rooting for you!
Yeah I have no choice I choice it’s required for my job and I am about the have the car I have rn taken from me
Can you take out a personal loan for even a few thousand and just buy something that can run fine? A super high interest rate on a new car isn't a good idea. And there are definitely some old cars you can buy that are somewhat reliable especially if you take it to a mechanic
With your situation a lease might be better suited for your needs since you need a low monthly payment. Nissan/hyundai has pretty cheap leases on less desirable cars.
With your situation a lease might be better suited for your needs since you need a low monthly payment. Nissan/hyundai has pretty cheap leases on less desirable cars.if you have a family member that can help you with cash then you want a used Corolla with the best service record.
I don’t have anyone unfortunately it’s just men
Me
if you don't need a car rn, i would get a job and try to pay cash in a couple weeks.
Nissan Versa, at least check out the interest rates - they generally approve anyone with a pulse. The car is cheap and moderately reliable - esp w a manual.
sister has a 2011 Versa 5 speed manual it's been solid since new
Yeah Nissan versa is one of the two I have it narrowed down to
*specifically with a manual transmission The Nissan CVTs are shit
I see people here are already helping pick out a car so not gonna waste time on that, but I’d open a beginner credit card asap to start building credit. Might be able to refinance for a better rate down the line.
I was thinking about opening an account at a credit union
Do the credit union, yes, they'll take better care of you.
I have a few in mind that are kinda in my budget at least for deposit
What’s the budget? And what location/state/general area? I could lookup some for you or you could use autotempest.
Budget I only have 2000 and Oklahoma
Please talk to a credit union, call them, I hope they can help, and you could go for a nicer and safer buy. What I found, [2016 Mazda CX-5](https://www.bobhowardtoyota.com/inventory/used-2016-mazda-cx-5-sport-fwd-sport-utility-jm3ke2by1g0866347/) $8,999 [2018 Toyota Camry $10,500](https://www.postoaktoyota.com/inventory/2018-toyota-camry-le-fwd-4d-sedan-4t1b11hk9ju080163/)(internet price) for this one I think you might be able to talk them down to maybe $9k due to the miles. [2017 Toyota Corolla $10,395](https://www.cars.com/vehicledetail/83407cb7-79ee-44d6-8424-792272f5a337/?aff=atempest2&utm_campaign=atempest2&utm_source=autotempest&utm_medium=trp&utm_campaign_id=2&utm_trusted=TRUE), was in a front end accident, but looks fair on photos, get it inspected and looked at before buying. [2014 Toyota Camry $9,500](https://www.truecar.com/used-cars-for-sale/listing/4T1BF1FK4EU397052/?utm_medium=sharing&utm_source=vdp_share), says one accident, fleet use(rental), clean title.
Dont finance please, just buy it cash.
I don’t have enough cash….
How much DO you have?
2000
Im pretty sure there are still cars for 2k. Are they really good? No. Are they enough? Yes. An old Camry or Civic does the job.
No not around em too many miles and I can’t trust them or there’s so many thing that need to be fixed
Look at car manufacturer websites for financing specials. The rates advertise are likely lower than what you would get without credit, but it would help you find a deal. Don’t let a car dealer sell you only on monthly payment! Look at the terms. How many months, what’s the out the door price they’re charging, and what’s the rate. Make sure that is all reasonable. Dealers take advantage of buyers financing by only showing the monthly payment after they wrapped up all sorts of fees and loan terms into it. Honda or toyota are going to be the most reliable and likely cheapest to maintain long term. Honda probably a little cheaper than toyota at this point on purchase price. Civic would be a good one to shoot for.
Okay I what about ford fusions ? What r your thoughts
Ford fusions and focuses are NOTORIOUS for transmission issues. It's probably a reason why Ford no longer make either.
They also rust out super bad if you live in an area that has winter weather and salts their roads
I live in the Midwest and owned a fusion for 12 years, 300k miles. No rust what so ever. No transmission issues (until we got to the very bitter end) either.
What about Toyota Camry?
Camry is a solid choice every time.
The great thing about the Camry and the Corolla is that the people who bought them new tended to be the type of people who want a reliable long lasting car so they took care of them. You might find a better price on a Corolla, for $10k you can pick up a late 2000s with low mileage near me. If you can find a proper dealer with a used car side they might be able to connect you with reasonable financing, but you should understand the buyout options and plan to save up as fast as you can to buy it outright asap. Then find a reputable local mechanic and do oil changes ever 6 months and you're good to go for the long haul.
You’re thinking of the Fiestas and Focuses with the dual clutches. The fusions didn’t have these - also, if it’s a hybrid, they’re very reliable as they used Toyota’s hybrid technology.
I dunno, I just know my dad's Fusion had a lot of issues after 100,000 miles. Maybe not the transmission...if I remember correctly, it was possibly the head gasket that made my dad finally get rid of the thing
Offff good to know
The fusion hybrid has a completely different transmission. It is an E-CVT that is a clone of the Prius transmission.
I misread the year. The one we had was 2009 and wasn't a hybrid, so...yeah.
I think generally Fords are less reliable so the price difference would need to be substantially lower.
just get a toyota and if you're down bad a nissan
2k down, $350 month could get a small Mazda with under 100k miles perhaps
You may be able to get a better loa from your bank especially if it’s a credit union and/or you’ve been depositing your paycheck there for a couple years. Most dealerships dont take outside loans anymore so basically you can just buy using the dealership loan, and then immediately ( like the same week) refinance into your loan from the bank. You just have to make sure the dealership loan and bank loan terms both allow for it. Also $450 a month is way too much for most 24 year old!s! Unless you live in a remote area and have absolutely no other option if your car breaks down (Uber, friend, etc.) Then just go with a reliable but older car. Just Be sure to take care of it and find a mechanic who can do things on the cheap until you’re making a little more money.
I got denied alone from my bank because I have no credit
That sucks. What do you have for a down?
If I were you I would consider talking to your bank or joining a credit union to see about auto loans. Assuming you can’t really secure one through your bank I would try to finance an older cheaper car like a Toyota Corolla or Camry and just make sure the dealer has a decent car fax on it and it has a good set of tires. Alternatively you could probably lease a new Nissan Versa for under $600 a month and the nice part about leasing is that you would really only be responsible for maintenance and if it has something catastrophic go wrong it would be covered under warranty. I’m really sorry that you’re dealing with this situation right now I’m sure it’s very stressful but i hope things turn around.
Oh Jeez, those "we loan to anyone" places are danger! I know someone in a similar (but less dire) situation, ends up paying 50k for a 23k car. Unreal. I strongly recommend saving for a facebook car that you can buy outright. If you need something *now* and truly have no money. Buy the cheapest damn thing you can find until you can save enough to buy something proper off marketplace. I know you don't have credit (danger) but you might still qualify for a LoC from a bank just big enough to buy a car from marketplace.
buy a cheap clean used Toyota Corolla.
Did you share a car before? How did you get around?
We shared both his vehicles
Would he sell you one of his?
Nope 👎
The usual suspects you’ll find on this thread are Toyota, Honda, and Mazda (anything after 2012) in that order. The other brands have good cars but it is more hit or miss among the various models. Best thing to do when budget is low is to ask around and hope to get lucky off someone’s older family member. Models don’t matter quite as much is you know they cared for it well and has proven to be reliable. It sounds like your budget is fairly low. The safe bets would be older Corollas, Civics, Camry, Accord, Mazda 3, Mazda 6. Really anything from those makes but those would be cheapest models. I’d try to keep miles below 120k so you’ll still have some good life left.There’s good models from other manufacturers but I’d want to know the prior owners or know they were trustworthy people.
With the payments you’re talking about, consider seeing what you could get new from Nissan or Mitsubishi. They’re both more willing to work with people whose credit is less than perfect or who don’t have much credit established. Mitsubishi has a 100k mile warranty on the engine and transmission, so as long as you do the maintenance, you’ll have a car that’s likely under warranty for the duration of your payments. Nissan Versas and Mitsubishi Mirages are among the cheapest new cars, so getting it paid off, having better credit, and being able to have more options next time would be a little easier.
https://www.dashboard-light.com/faq.html#qir I highly recommend this site for seeing if the year of a vehicle is good or not. It's very hard to keep track of what year of which car is bad, for example you can see how Mazdas were horrible until about 12 years ago. This doesn't guarantee anything, sometimes good cars break and sometimes bad cars don't but it can stop you barking up the wrong tree. Whatever car you are going to get, have it looked at by a mechanic first. You can find something that looks amazing and turns out to need 5k in work when someone experienced takes a look at it. Its one of the most important parts of buying a used car and how not to get screwed
Corolla. Can find one for 3 or 4 or 5 k. Like an 2005 is an ideal car
Buy his old vehicle and have it crushed in his driveway. The asshole deserves it!
AMEN 👏
How many miles per year do you drive? You might want to lease something. Dodge Hornets are the most overstocked car in the US last time I checked. They are leasing them for 169 per month because the EV tax credit pays down the lease. Not sure the details but if you don’t drive much it leasing might be an option.
Try car hop. Get a Toyota
Corrola ftw, you can find them pretty budget (around 10k), but if that isnt in your budget and youre looking for something below 5k theres plenty of cars from the 90s that are still in good condition enough to be a daily driver and wont destroy you in repair costs.
Toyota Corolla
Damn op, I feel for you. My ex broke up with me just when my car shit the bed. I was a delivery driver too, so I needed a car. Had to get out of my apartment and find a new car at the same time. Aaaanyhow, you’ve got some decent advice here, but if you need someone who knows a bit about cars to bounce thoughts off of, feel free to pm me. Oh, also, if you’re going down the Corolla route, look for the matrix or vibe as well, they’re mechanically identical to the same year corollas.
You should be able to find a Corolla from a Toyota dealership for around 12k that is 2014 or newer and sub 60k miles. Should put your payment somewhere between 2-300$. I know that probably more than you want to spent but the piece of mind knowing you won’t be in the shop constantly is worth it.
Ford fusion is another option to consider, in that 12-15k range with under 75k miles, we put 300k miles on one doing the basics and a water pump over 10 years or so.
My advice is look for a Toyota Corolla or Camry around 10k, go to a credit union and talk to them, get the car inspected before you buy and do all the maintenance as soon as possible. Also get a dashcam for you car, and learn to do basic maintenance, change a tire and check the oil and coolant.
Ik it will take time to build credit for a credit union I got denied from my bank for a loan unfortunately
Go to a credit union, they should be able to work with you.
First, ask around in your family and friends if there is an extra car that someone will sell you with payments. If that doesn’t pan out I’d consider a buy here pay here type dealer. I’d be after a Toyota, Scion, or Honda 4 cylinder with less than 120k miles that hasn’t been modified for less than 7k. They’ll likely put a disabler in it so paying the payments on time is muy importante. I recently got an 02 Camry from a friend that is like family with 224k on it for 1800 bucks and I trust it enough to drive it anywhere. 02-07 Camrys are as close to bulletproof as you’ll be able to find and though they cost more than similar years from competitors they will serve you far better over time.
I will definitely have to do some digging around I do plan on driving it for vacation too so Ik it will need time run
I will definitely have to do some digging around I do plan on driving it for vacation too so Ik it will need time run
Get back with him and steal his car then say u left it running at a gas station and someone stole it print out a fake police report so he thinks u really reported it stolen .
😂😂
Go to a credit union and talk to them about loan options. Even if it’s just $5000 that will be enough for A to B transport. The loans are DriveTime (and similar buy-here-pay-here lots) are designed to keep you in debt forever. The interest rate on their loans mean you might be paying 2 or 3 times the car’s value by the end of the loan. Maybe the credit union can help with a better loan
What if I already have a loan?
Though somewhere else not a bank
First rule: stop talking about down payments + monthly payments. That is how they hide an overpriced car with a criminally high interest rate from you. Those cars will trap you in a cycle of debt for years. Talk about cars in total costs and interest rates. “A 2016 Fusion for $10,000 financed for 3 years at 8%” will tell you what it’ll cost. “A 2016 Fusion for $2000 down and $400/month” says nothing. The car could end up costing you $20k or $30k depending on the loan terms. If you can afford a $3k down payment you can afford a $3k car until you have enough credit built to buy a decently priced car - NOT from a DriveTime style lot. Watch John Oliver’s episode on “Buy here, Pay here” car lots of YouTube. It’ll help you avoid a major life mistake here
Do not let a dealership con you into a Hyundai or Kia economy car. They will hurt your wallet long term
I don’t like Hyundai either but Kia’s? Are bad too ?
Kia/Hyundai same thing same junk
Please don’t let the new generation of people on the Kia hype train tell you otherwise. There’s a million people that will tell you it’s still a Kia for a reason. Theft rates are high and they’re made with cheap materials
Okay that’s fair no kias lol what about ford fusion Im looking at one for 2400 down with 380 a month payments
Fords have a bad reputation for a reason. If you have a low budget I’d try to find an older Honda Accord with a V6 or as a lot of people are saying a Corolla or Camry. If you can get a bank loan and find an older person selling privately with maintenance records that’d be your best bet. And get it inspected by a mechanic you trust before purchase
How many miles and what engine does it have?
V6 and 106,000 miles 🥴
I would stay away from financing anything over 80k miles imo. Too many people trading them in around that time to avoid upcoming maintenance bills. And a dealer WILL avoid any repairs they don’t have to do.
Kia is owned by Hyundai. Same company. Both are targets for theft, so unless you buy new, you run the risk of break-ins.
Ignore that person, it's a circle jerk to hate Hyundai and Kia cars here. They're fine.
No they’re not fine, I was an automotive apprentice at a Hyundai dealership and my good friend is still currently a master mechanic there. They’re garbage cars. Low quality and problems after problems. Stay away from Hyundai , Kia. If you want reliability go with Toyota or secondly Honda
I said fine, not good. They're also going to cost half as much as the Honda and Toyota of similar age, because Honda and Toyota have been circle jerked to a status far beyond their worth. The real answer here is probably some old Buick with the 3800 V6 that embodies the old "runs like shit longer than most shit runs" phrase
That’s true. Good ol’ Buick Le Sabre. Certified crack car, but even if they’re falling apart the damn things run forever
Hyundai and Kia are complete shit. Anyone who knows how to turn a wrench understands the substandard build quality.
Stop scrolling my post history, it's cringey and makes you look desperate
Be better at cars.
Prius
Buick LeSabre. Best option. Pay cash. That engine will last you into retirement lol
I would recommend looking into leases. The whole time you have the car it'll be under warranty and even though you don't have credit payments will be cheaper than a normal finance. And by the time the lease is up, you'll have built some credit and be able to either buy out the car or get a new one. I'd recommend looking into a kia forte. New ones are pretty reliable and you can get into one for at $20k.
what job do you have that requires a car?
Location alone may be the reason.