<prompt> Human: I currently drive an almost 20 year old car 1998 Corolla thats on its last legs and needs a ton of repairs to even pass the state inspection. Its just not worth spending a few thousand dollars when my car is only worth maybe 500. I need a safe and dependable car as I have a 7 year old and Im afraid to even put him in mine at this point. Im 32 and I really dont have much credit, my score is 655 and I dont have any credit cards or marks on my report thankfully. I only make about 35k a year, and my wife only works 15 hours a week as our son is autistic and she needs to be home to take care of him. Between a mortgage and billsexpenses, were basically living with no savings or emergency fund. Im just wondering how I should approach getting a new or used car. Should I ask my bank for a loan? Should I try and save up 500 for a small down payment and lease? Im lost and just need help figuring out the next step. Any help would be greatly appreciated!  <response>: Maybe a second job? If you are check to check now that will only get worse with a car loan and more likely expensive insurance. 