<prompt> Human: 21YO Male. Hey guys lets cut to the Chase. I was recently in a auto accident with a car that was given to me by my dad. Lost the car, its totaled, insurance was liability so I couldnt get a pay out. I went to a car lot and got approved for a 10k truck 170k miles. Problem is they want a 2k down payment, which I can accumulate. But the apr is 24 percent. Id like to start a big Boi credit line with this. As I have credit cards. Now I feel like that is just way too much apr for me, but I am a first time buyer.Second option is to get a beater off Craigslist.I currently live with my family and make about 350 per week after tax. No rent nothing. Whats the best plan guys?  <response>: Get a beater with cash. Do NOT buy this truck. There is not a snowballs chance in hell I would be paying 24 interested, regardless of the situation. ETA: also, Im not sure what you mean by big boi credit, but you do not need to pay interest to build credit. ETA 2: I hope that the spelling of boy as boi was a typo. Otherwise you are surely not ready for big boi credit. 