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Disclaimer : I am not a financial advisor but I have over 20 years' experience in the banking world. From Investments, student loans, Credit Cards, Small and Large Business Development, loan underwriting, Collections Management and Credit Report Repair I have done it all. Let me navigate you through the ins and outs of all that revolves around banks and money up to and including investing in a way where you can retire in 5-10 years. 1. figure out your budget 2. how much car can you afford https://www.calculator.net/auto-loan-... 3 shop for a car 4 . know your cars value ... anything over 125% loan to value should start to throw up red flags (how much is the car worth / how much is it being sold for ) 5. negotiate terms