<prompt> Human: Hello rpersonalfinance, long time lurker first time poster.The situation is as follows. I am currently driving a 2004 audi a6 2.7t quattro sline with 142,000 miles on it. It is in need of repairs and its just too expensive to maintain now. I went to a Honda dealer to see if I could get financed with my sub 600 credit. I was looking at a 2013 Honda civic for about 15,000. I was ready to trade in my vehicle expecting to get about 3,000 to 5,000 as trade in value and have a down payment of 1,000. The sales rep came back stating that my credit is bad and the best he could do was a 15 Apr loan over 60 months. I was admittedly taken back by this because of how high the Apr is. To add to this news he pulled my cars carfax now. He stated he could only give me 750.00 for my trade because of a branded title: exceeds mechanical expectation. I was unaware of this non clean title when buying the car, but the carfax stated it drops the value 2,300 right away. I have owned this car for 4.5 years and had no issues getting insurance. I have no one to cosign for me, unfortunately. What can I do? My income is 2200 a month with 750 to 1000 or so in expenses and bills. I have credit cards near maxed out at a 1,000 limit that Ive been trying to work on. I just settled a debt last week and the only debt outside of those 2 credit cards is a student loan for 30,000 that I am deterred from while I set up at payment plan.Edit: Thank you all so much for your replies thus far, I really appreciate it!  <response>: Save up and buy a 5k vehicle. 