<prompt> Human: Will need to buy a new car as my mothers keeps breaking down. I figured I would buy new now as I am going to community college and it probably the cheapest education I am going to get. And by buying a new car I avoid any major problems I may run into if I buy used. My current car will be given to my mother to use. The car will cost 23,500 but I will get 1,000 off and will probably be able to talk it down to 20k or 21k. I am willing to put down 3,500 on the car and am probably going to chose a 60 month plan. I live at home with my parents so the only bills I have are phone, school, and our electricity bill. I make enough to cover all these as have some left over. I have 12k in the bank and have a consistent flow coming in. My job is also secure as I havent and dont plan of screwing up. Luckily at my job people only get fired if they are always late or violate safety guidelines. Now the only thing I am somewhat unsure on is my credit score. Transunion puts it at 722 and equifax puts it at 707. What kind of APR should I expect with that credit score? My father also agreed to pay my insurance in exchange for help at his job which I will obviously accept. I also dont live a very spending type of life. If I were to estimate how much I spend not including bills it would probably be around 70-100 dollars every 2 months. In short, I know how to budget myself. Sum of it all:Total car cost: 23,500Down payment: 3,500Get 1,000 of right awayCan talk down to 20k or 21k60 month planCredit score is 722 Transunion 707 EquifaxMy monthly gross pay is 2400Thanks in advance.  <response>: No, you cant afford that car. The rule of thumb is that a car shouldnt cost more than 6 months of aftertax income.Find a CPO car in the 10k to 15k range. 