<prompt> Human: Hi, my SO needs a new car. Hers died last Thursday and would cost over 1000 to fix. It is an older Jeep with 200,000k miles on it. It is not worth it to fix in our minds. So we have been looking for a new car. She make 33kyear. we have pretty cheap rent aorund 375month. So we figured a payment of around 150month would be very doable. We have obviously been looking around used car dealerships and havent had much luck. We have gotten pretty close to signing for a few cars only to find hidden fees and some sketchy stuff going on that we were unaware of. Also worth noting she can put down 1200 and one dealer offered her 500 for a trade of her car. At this point we are kinda lost, she needs the car to get to work, and she works fairly far away so leasing wouldnt work because she would go over the mile limityear. Do you guys have any insight on how to make this work? Maybe take out a personal loan and use that cash to buy a car? We are both in our early 20s and its her first time buying a car, any advice would be welcomed. Thanks!  <response>: What hidden fees are you running into? You can check with your bankcredit union for what kind of auto loan rates you are approved for, as long as you have an idea of what car you are looking at. At 150month, though, youre talking a sub 10k car, which may be harder to find financing for. 