<prompt> Human: Just wanting advice from people that are not biased and perhaps more knowledgeable then myself. My partner and I had our car stolen from our garage just 15minutes after I left it at 12am working on a project. I had left a light on and a window open apparently thats enough. It was driven around and written off in the space of 3 hours after it had taken out a set of traffic lights. It was insured for 7800 after all said and done we will get about 4500 back from them after the last of the loan is paid out. I earn 42K and partner earns 50k before tax. My partner We had 5000 in our bank before this happened and after buying a new pram baby seat and other missing items we are left with 3000. After visiting the Car Dealership we decided on a new Lancer valued at 22000 Talked them down to 21000tow. They couldnt find a suitable lender Esander and St George. They then referred us to a broker and he could only come up with one lender who would consider our application. They offered us As per the buyers order , purchase price of the vehicle is 22490.00 less deposit of 6000.00 . Amount payable to dealer 16,490.00 Application fee 1495.00 Brokerage 990.00 Total amount finance 18975.00 Rate 28 Term 48 months Weekly repayments 159.00 Nil break costs.The repayments are in our price range but I cant get over that we are so high risk that we would have so much trouble. Our history isnt that bad my partner has had a default on a credit card she had when she was 18. But that was paid out a month ago. Also our current Lender St George say that we have been in arrears of 200 for the last year but they failed to notify us about it and now say they wont refinance us. We are stuck between a rock and a hard place as my partner returns to work from maternity leave next month and needs the car for work.People are saying taking it will help our credit rating for the future. Some are saying 28 is fucking spastic and we should take the cash we have to buy the most modern car we can. But we are both afraid of the cost of repairs and insurance on second hand cars in this price range. As our last mazda 3 2005 was costing us 1000 a year in maintenance and our insurance premium was at 1200. On the new car its capped price servicing and insurance is 700. TL:DR Is it worth it for a new car?Edit: Attached images for entertainment value. Miss that car. Took the hit like a boss. Assistant: 28.5 interest for a car is way too high. You will pay 33K over the life of the loan just to borrow 16.5K.Human: Yeah we know. Just our position has made us desperate for car. As our rental car provided by the insurance company is going back on the 20th.  <response>: Maybe try to see what you can buy for around 10K. You just need something to get to work and not a luxury car. 