<prompt> Human: Hi, Sorry for the throwaway. I dont like giving personal information on my real account. I moved to US few years ago. So I dont have much of a credit score. I dont know how credit system in US works. I am planning to buy a used car. It will be around 35k. What are my options for financing a used car? I talked with few dealers for new cars. They all said they would finance me for the new car. But it is kind of hard to figure out my financing options when I am buying from a private owner. Thanks in advance for your help. Edit: I started making 130k per year recently... Also, I am here to ask for financing options not your opinion about my savings. Please keep the discussion civilized and on topic. Edit2: My credit score is bad because I always bought everything with upfront cash. I was never in debt in my life.  <response>: 35k on a used car? Unless youre making 100k you shouldnt make this purchase. 