The solution is simple and obvious: skip the loan. Get the car when you've saved enough to buy it without a loan. Just about the only thing which mandates a lo

The solution is simple and obvious: skip the loan. Get the car when you've saved enough to buy it without a loan. Just about the only thing which mandates a loan is the purchase of a house, anything else should be put on a back burner until such time as it can be purchased without 'financial assistance'. If you absolutely need some form of motorised transport while you can not afford a car, get a moped or small motorbike. It'll use less fuel, be cheaper on insurance and still get you where you need to go. Live according to your means, not according to some projected ideal. Don't even look at the ads for 'cheap loans', credit offers, credit cards and whatnot - use 'm to light the stove instead. Better still, don't look at any ads as their purpose is not to help you make informed decisions. Don't play the money game, you can not win and it never ends.