<prompt> Human: Hello folks. I am having issues with my old car. I think its time for a newer one. I am debt free. I am working part time and now I need to finance the used car2017 model The credit is in upper 700s but the taxable income is 13000yr. I need about 10.000 car loan. What would be the best route to get the best rate? Should I talk to local banks or is there any lenders that are financing folk with high credit scores or maybe should I go through used dealer?I always drove a beaters and never had a car note. I am at the point in my life when its time to get a reliable car. Any suggestions to get the best rate is highly appreciated?  <response>: need to finance the used car2017 model need about 10,000 car loanI dont think that word means quite what you think it means. A part-time 13,000year job isnt something one needs a 10,000 car for. Hate to say it, but either work more or keep driving beaters. 