<prompt> Human: So I totaled my car today , and have to buy a new one , Ive got it picked out and Im insurance worked out . Im buying it from a family member so I know Im not getting screwed . I have to take out a loan for the sum of 9300 . The car is a 99 how is the best way to go about doing this . I bring in over 40,000 a year for refrence  <response>: 9,300 for a car from 1999 sounds like a ripoff to me, especially at your salary level. Id suggest buying a cheap, reliable car 2010 or newer. 