<prompt> Human: I am in the market to buy a classic project car for 9000, a 69 mustang. I have about 4k max to pay in cash, but still need 5k to reach the selling price. This car will be a project for me and my dad.I am 20 years old and I have a credit card, but have never used it as i use my debit card for everything and im afraid of debtbad credit. Most of this fear comes from naivety. The bank will not give me an auto loan, or a private loan as the vehicle is obviously over 11 years old.People have mentioned credit unions and stuff like that, but i dont know if ill qualify as i dont know if i have credit or not. Whats the best route to take here? I am confident i can pay off 5k no problem, but who will fund me for a low apr? Is it better for my dad who has good credit to take out the loan and transfer the money to me, and then i pay him for the payments?  <response>: The time to buy a 9k toyhobbyproject is when you have that sum in the bank. At 20 Id be focused on building a career. 