<prompt> Human: So I got a new job that pays me pretty well but I have bad credit and a 20,000 balance over my vehicle that I have, I want to get in a newer truck and have a decent monthly payment any suggestions that can help me out?  <response>: Just to clarify, you already have a vehicle loan and the balance is 20,000?You have poor credit?Sorry, but you cannot afford to buy a new truck at this time. Congrats on the new job. Make a budget to ensure you are paying all your bills on time and reducing your debt. This will help improve your credit so when you are ready to purchase another vehicle with a substantial down payment, at least, you wont get absolutely hosed on a vehicle loan. 