<prompt> Human: Backstory: Im 21 and all the cars Ive ever bought have been 3rd party, or through family. My current car broke down, and is becoming unreliable, and in need of constant repairs. I just got hired on with a bank making very good money, and have about 2 weeks before I start about 2 weeks to find a car. The thing is Ive never bought a car through a dealership so I have no idea what Im doing when it comes to bargaining or things to avoid or anything really. I figured if I could go anywhere for help about a large purchase it would be here. The Details:I was approved for up to 10K from my credit union at a 12 interest rate and theyll only pay 80 of KBB value due to credit not being the best but not the worst. As my credit goes up i can speak to my loan advisor and they can lower the interest rate Ill realistically be buying used around 2010-2013 depending on price. I have about 800 to use towards a down payment at the moment which means my goal is to bargain as much as possible. Will add more information if necessary. Edit: 2pm PST thanks for all the advice guys! It seems like Id rather not want to get killed on the APR, and would benefit from riding out my old car as much as i can until im a little more set in with the new job, and have some savings put away! I appreciate all the advice i think its going to save my butt in the long run. 3  <response>: I agree. 12 is way too high. Dont do it! 