<prompt> Human: I began leasing the car with the intention that I would buy it at the end of my lease. I got it new 2013 Civic EX and have been leasing for 3 years for 176mo. My payoff amount is right around 14000. I dont pay rent and for all intents and purposes, live with my parents. On my application we put down that I made a little more than 1,000 a month, because my parents do support me here and there and it counts as supplemental income. Im also going to start working full time so my income is going to shoot up within the next few months. My lease ends next month.The negotiating at the dealership to finance through them was pretty intense and took a long time. They are supposed to call me back today and still havent. But the lowest rate they offered me was 5.79 interest. I held out to have them check with credit unions they work with, but I wont be surprised if 5.79 is the lowest I get offered. Ive had a credit line for 2.5 years and my credit score was 737 before credit checks dinged it recently. Now its 7-twenty-something.I know Im not going to get offered 1.8 like my boyfriend was who recently bought a used car from the same Honda dealership, because he makes 75k a year and also has good credit... But is this rate terrible for my circumstances?Thanks reddit!  <response>: Likely youre emotionally attached to your car it probably even has a name too! and I get that. What you need to realize is your car isnt worth 14k. I found a 13 EX with 30k for 11k. So if you honestly think its worth it to burn 3k for nothing, go for it. Something important to consider is while you think youre going to start working full time soon, do you have a signed job offer? Do you have any job offers? Until you actually have a job and not just hopes of finding one, I wouldnt be signing up for 3-5 years of payments without having any real knowledge of how long youll be living on that 1k that includes your parents help. There are a multitude of different reasons why your boyfriend was able to get a better rate than you - one being he probably has more credit history than you. I had a 760 credit score real FICO not CK or FAKO but only about a year or two worth of history only credit cards and couldnt get approved for a car loan at all. 