<prompt> Human: Hello there personal fiance people! I just started a job where my base pay is decent not spectacular but my commissions will be rather large for me at about 3,000 - 10,000 a check. I am not planning on using those checks as part of my usual monthly budget. I am, however, needing a newer car as mine will not pass inspection this year. I was planning on putting my commission checks into a separate account just for the car. My question is, should I pay cash for whatever car I buy or, take a loan and have it set up through my bank to take the payments directly out of the account with the money? I have not so great credit thanks to a failed engagement and an asshole ex-fiance and I doubt Ill get a loan for the car. Before I start saving for the car, I will be paying off any outstanding debts I have. Thanks!  <response>: Ideally, you would want to pay cash for the newer car, unless they offer a crazy good incentive. E.g. they offer a cash rebate 0 interest to finance the car. In that scenario its worth taking the cash and the financing, and just pay it off before the teaser interest goes away.Even in that circumstance, your insurance costs should still be evaluated, because financing may require more insurance than you do to feel comfortable. 