<prompt> Human: I need some advice on is it better for me to pay off my DMV fines in full, wait another two months, or go on a payment plan while paying off the financing for a car. After getting a new job that increased my income to 72K a year, I want to get a car again. Due to the car dealership repossessing my prior car and keeping the tags I had block placed on my record. The DMV fees are 3K total but only 700 on the down payment for the installment plan which Ill have to pay 15 interest. Im looking to buy a 2015 Ford C Max second owner around 12-15K. As I have poor credit the APR is above 20. so after insurance the payment will be around 600. I have 3500 currently and nod sure if I should have more money on the car.  <response>: You should probably not drive until you figure out your pressing financial issues. Do not touch that financed vehicle with a 1,000 foot pole. You have 3500 only? Buy something with that, or honestly, do what youve been doing to get around for the time being. 