<prompt> Human: Each paycheck I get approximately 2000 after taxes. I recently got a refund on a lemon car of 21,000 total, but the funds wont post for another few days.x200B;I went and managed to get a car loan but because my credit is so poor, they said I needed to put at least 10k down, so I said that would be fine I have at least 10k in cash. However, they then said that the bank wants 2,500 more because of my poor credit, and because of that, Im stuck in a hard position. I probably wont get the 17k funds until next week, but I already left a deposit yesterday for the car.x200B;What do I do? Do I get a payday loan? Pawn my belongings? I really do need a new car as the old one is falling apart, and Im basically lost for where I can go to come up with the other 2,500. Thought about cashing out my 401k or Roth but the funds transfer takes too long.  <response>: Can you wait until next week and just pay for a car in cash? A 10K car would be fine. We drive a 2008 with around 99K miles and it runs like a champ. No issues with it at all. You dont need a brand new car. A used one will suffice just fine.Can you take an Uber or walkbike to where you need to go? Have a friend help you? Carpool to work for the next week?DO NOT cash out your 401K unless youre facing homelessness. DO NOT get a payday loan. Those places are awful. 