<prompt> Human: Ive got my eye on a used VW GTI for 22k. I have 3k in the bank right now but hoping to use that for down payment on new place rent and start up living expenses. My current car could break down any moment and Id like to get my new car in the summer and while I am still living in my hometown for another few months to drive it around here before I move. I can get family to loan me another 1k if needed but just wondering if I can delay my payments? Ive always driven beaters ive paid cash for so ive never had to worry about payment plans.  <response>: No. Wait until you have a job. 