<prompt> Human: So i have a car that runs fine. Decent miles, no mechanical issues, very reliable.Problem is, im not a huge fan of it and sometimes my parents commandeer it for their own use. Not a big deal as its technically mine and my moms car since were both on the title. And i dont really go anywhere except to work.I would like to get my own car but have a really hard time justifying spending money on something that i just simply dont need. Having my own car is purely a convenience piece evey so often.Im not concerned about financing. My credit is in the low 800s, but i wouldnt want to pull out of my savings to put a down payment on it. The max i would ever spend on a car, used or otherwise, is about 10k.Is it possible to get a car loan with no down payment, or would any car lot require one? I do have a credit union at my disposal, and have done a lot of research on buying a car and how not to get screwed.Any advice is greatly appreciated. Thanks!  <response>: If you dont need one, dont get one. Keep saving and continue to use the car you have until you have enough to buy a car in cash or at least put down a healthy down payment. Once you get a different car on your name your insurance with most likely go up, so consider that with as part of the expense. 