<prompt> Human: Ive paid cash for cars before from classified ads, but this time Im going to get a loan and make car payments. I just want something cheap like under 3000 so I can pay it off quickly. I currently have no credit. I dont even have a credit card.Can I get a loan and buy a car from classified ads like craigslist or do those have to be cash? How do I calculate what my car payments will be? Can I just get any credit card to buy a car?Assistant: You wont be able to get an auto loan for 3K most likely. You can get an unsecured loan for that amount. But yes you can buy a private sale car with a loan.Human: Could I buy it with a credit card?  <response>: Credit cards will likely have extremely high interest rates around 27-32 for you. Youll never buy anything on a credit card that you dont already have the money to pay off if youre smart and youll need to pay the entire balance every billing cycle. 