Quote:
Originally Posted by dredge
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Cars are stupid, save your money. A car is transportation, period.
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I find that most people that say this either don't drive a lot or don't make enough money/shitty credit to get a decent car. Cars are more than just a mode of transportation...
Life is short, ignore these people telling you to get a beater. If you have a steady job, get a nice/newer car you can afford to make payments on. Despite creating debt making payments on a car will show creditors you're reliable in the future. You've mentioned you don't have anything to pay off so it's not a bad idea to build some credit especially when you're in your 20s... it will be good further down the road.
As for what car to buy? As mentioned Honda & Toyota are pretty much a no-brainer for reliability. Check out the new models to find a few you like then scale down in years to meet your price range.
Never buy the car for the price listed, scale down the cost by $1-2k. They take your offer to the "manager" who typically says no way but will come back with lower price for the car. Take $500 off that price and send them back. If they can't meet what you want to pay then leave. They like to claim "We have 3 other people wanting to buy this car." But most of the time that is bullshit... they will call you soon enough with a good offer for the car. Keep in mind there are "fees" at the end of buying a car at a dealership that can go up to $400+, make sure that is in your budget.
Avoid getting a loan from the dealership if possible... credit unions give out the best loans as far as I'm concerned. I have two loans right now both 1.99% apr. Get approved for an amount over what you want to pay for the car. Once you find the car at the price you want then go back to the credit union for a check to buy the car from the dealer.
Buying a car is fun! Screw robbing some old lady of her shitty grocery trolley...