<prompt> Human: So I went today to look into buying a car. After much searching, I found a great car that they would sell to me for 3000 below sticker price. down toe 14000, before all the fees and interest on the loan. However, my credit is so bad 529 that my interest rate was 21. This was at a Toyota dealership, and the car in question was a 2010 Toyota Carolla S with only 9000 miles on it. I was wanted to pay 200 a month with a 1500-2000 down payment, but I quickly realized on a decent car it was unrealistic to expect less than 250-275. However, it was going to end up being over 450 with interest. Obviously I didnt take it, but I have no idea what to do from here. No matter what car I get, my interest rate is still going to be fucked, and I have no one to cosign for me parents declared bankruptcy and I refuse to ask a friend for something like that. My parents offered to help me by paying 150 of it every month, but I really dont want to ask them to do that, partially because I dont want to rely on them for it.I dont really know what to do from here. I need a car to get to work and all of my friends live to far for public transportation. Im thinking of just finding something for 2500-3000 and try to boost my credit as much as possible until that dies. Any other advice? I can afford a certain amount, but I could definitely afford something in the 250 range.UPDATE FOR THE CURIOUS: So I obviously abandoned the idea of getting a loan. I found a 98 Carolla that runs perfectly fine for about 3K, and just has a few cosmetic issues that me and my father could probably take care of ourselves. Its at a mechanic at the moment making sure everything checks out ok. Thank you guys a ton for the advice. Im actually WAY happier with this decision than how I felt about the other car even before finding out about the horrible interest rate. Now I have to shop for insurance!  <response>: Dont mean to sound like a douche douche statement forthcoming, but the fact that youre looking to buy a 2010 model on what Im guessing isnt the largest income is probably connected to the fact that you have such a shitty credit history. Just because you can force 250 into your budget doesnt mean its a good decision. Drive an older car for now while you repair your credit. Maybe by that time youll be making enough money where 250-300 a month isnt unreasonable. Money spent on a car is pretty much money you will never see again. What you should be doing instead of figuring out how to jam a car payment into your budget is setting up long-term financial goals to get your credit to a reasonable spot. 