<prompt> Human: My 20-year-old shitbox is nearing the end of its useful life. I plan to drive the wheels off of it, but once its done, do I have any options aside from buying another junker for however much cash I have in the bank? Id be looking for used. I dont need anything flashy in my current financial situation.I have average credit high 600s and low monthly expenses 60 of my take-home, probably less if I scrimp. I entered my info into Capital Ones auto loan site and they said I didnt meet income requirements. Are dealerships more generous?What should I do, starting now?Thanks very much.  <response>: can you? sure, should you? no. THey will likely hit you with 10 interest.you should start saving now, as if you were paying a car loan, one to prove that you can survive the monthly expense, do not ever say oh I need this other thing more, Ill skip this months savings because I can but it would be totally different if this were a loan.and hopefully, your beater lasts long enough to buy another car with the cash you saved up without the loan interest dragging you down. 