<prompt> Human: Im planning on financing a car soon with 0 down. yes i know not the best idea but at the moment its my only option. My credit score is around 700-725 what would be the best choice for someone not looking to spend over 350 a month and how much should i ask for i was thinking 20k?  <response>: what would be the best choice for someone not looking to spend over 350 a monthUh...not dropping 20k on a car when you cant afford to do so would be a great start. You dont need a car that expensive, especially if you cant put anything down on it. Shoot for under 14k, which can still get you a good car that will last 10-15 years if you take care of it properly.Besides that, your bank will probably be able to offer a better interest rate than the dealership, but the dealership will send out the loan application to a lot of places all at once. Thats not a bad thing, it just means they want to give you the best options to keep your interest low.Call your bank and ask about the process to get pre-approved for a loan and what the interest rate will be. Then go to the dealership within 14 days credit pulls for loans hurt your credit score, but all pulls within 14 days of each other just register as one pull and get another loan offer, then pick the best one that works for you.But, seriously, you dont need a 20k car. 