<prompt> Human: I have a 570 credit score, most if not all are just from credit cards, i was irresponsible at a young age and maxed them out very early but they are now payed off almost 2 years later now i have a secured visa helping to repair my credit. Im now in need of a car, Ive never owned my own car. Nothing fancy just reliable. I keep getting either denied from auto loans even with a co-signer whose score is 726 or the dealership wants more money down than I can afford. I make 3000 a month.Take away my rent and phone bills and misc. payments my take home cash is roughly 1200. Are there any tricks, tips, or advice anyone can help a first time car buyer with?  <response>: Bad credit is preventing me from getting a carNo, its not. You can buy a car without financing it if you have money.You have no business financing anything with a score that low. If you are somehow approved it will be at a shady buy here pay here lot you will get absolutely wrecked on the interest rate.Read the side bar on How to handle . Come up with a realistic budget and a plan to save. Follow through on those things. 