<prompt> Human: Sorry if this is the wrong sub for this question.I 23F am in a position where I have the financial means to get a car but Im sort of stuck as to what direction I should go. My instinct is to find something I can just pay in full for, which would be around 7500usd. That puts me looking at cars around 10yrs old and ones with low miles are difficult to find, but I am patient. Im not too worried about making payments on a leased car but I dont really have any credit, only 5 months of payments on a credit card with a low limit. My question is which would be the better investment? Am I right to just pay in full for the right car? Or should I take a higher interest rate on a car plus a large down payment?Thank you for any help or suggestions you have Ive felt so defeated and confused trying the navigate this!Edit: I havent missed a single payment on my credit card and my credit is at a 700 last I checked. Spending 7500usd on a car still leaves me with a few thousand to my name.Update: Seriously thank you to everyone for you advice and comments. You all are amazing and Im going to try and respond to everyone.Final Update: This got more attention then I thought it would and I wanted to give you an update. I just got a car and I am very happy about what I got. Its a used 2012 civic with 76k miles and I talked them down to where Ive only financed 5k and will have it paid off in about a year and a half. I came to visit family and it was luck that this car just came up for sale and was able to negotiate a deal.Seriously thank you to everyone who shared their advice, opinions, and experiences. It really helped me to put things into perspective and properly work out my finances and what would be the best option for me. You all are amazing! Thank you!!  <response>: If you are patient as you say, I would personally recommend just buying a car outright with cash. Is there a particular model vehicle you are looking for?Stealerships really are not the way to go unless you are absolutely in dire and desperate need of a vehicle like yesterday and dont have cash, the inflated prices are ridiculous and often come with the same warranty you get buying private party anyway none 