<prompt> Human: Hello, So ive been saving up for a little time now to buy a new truck. The truck is around 35-40k,I dont have that money just laying around so Im thinking about a loan. My only question is do I just take an auto loan for the full amount out and pay 100 of the truck at dealership and just pay the bank X every month or do I just give the dealership what I have saved up and just pay them X a month.Side note, as of right now I have been pre approved for 50k loan. This is my first time buying anything from a dealership, and this expensive before so Im not sure the best route.Thanks in advance .Thanks everyone for the advice .Ill keep saving and but something cheaperAssistant: What is your income? If you have nothing for a down payment saved how will you pay a loan payment?Why do you need a 40k truck?Human: 1500 a monthLive at homeNeed a car Need something to haul little shit with here and there Pallets for fires, mountain bikes, wood, car parts time to time, shit for road trips I cant afford a full size like id like too so a half ton will suffice for now.Dont like GMCChevy, not big on f150 or 1500 from Dodge. Really like Toyotas reliability and the new Tacomas look really good, Id be getting like a 16-17 year. Ill have about an 11-15 down payment  <response>: Jesus, do not spend 40k on a truck, thats over double your yearly income. You can afford 10k at most. 