<prompt> Human: Im located in California, but could easily go to Oregon, Washington, Arizona or Nevada to get a car. Especially if I save enough money on it. Im looking for an SUV, and will more likely buy a used one, but am open to determining if a lease would work as well. I have 15k saved for a car. My credit is excellent and currently sitting at 766. Im good with going in and negotiating a deal. But Im having trouble figuring out how much car I can afford and price ranges to be looking at. How do I determine what the final monthly costs will be for either buying or leasing a car? Do you add in maintenance costs? Gas costs?Thanks in advance!  <response>: 15k would get you a very nice reliable used car out the door in cash. Is 15k all your money though, or do you have other money besides that? I would not spend everything on a car.Assuming you have some other money put away for emergencies, than look for cars around 13-14k and get it for 15k out the door.If you really want to finance an SUV though you have a hell of a downpayment and credit to get a real good rate, I would not spend anything more than something you cant pay off on a 3-year loan. 