<prompt> Human: Hey Everyone,I am in the market to buy a new car and was given an offer on 2 different cars. My credit score isnt the best right now thats why the interest rate are high.One is a VW Tiguan offered at 12,998 at an interest rate of 11.537;. The other car is a Chevy Equinox coming in at 9,065 at an interest rate of 19.9537;. At the end of the payments I think the Chevy Equinox is the better deal because it will come in at 15,879.64 instead of 18,473.79 of the Tiguan. I can refinance the Chevy Equinox before the first monthly payment to get a better interest rate. What do you guys think?  <response>: I think both deals sound like trouble. But tell me what model years the two cars are, and how long the loan terms would be. The huge problem with borrowing at deranged interest rates to buy a used car is that youll be upside down for some time and the loan sometimes lasts longer than the car.I would rather drive a 2,000 beater until it died and owe nothing than drive a five-year-old Equinox 9,000 with a 20 interest loan. 