<prompt> Human: Im in the Navy and going to arrive at my permanent duty station soon so I was looking at finally getting my own car. I was thinking taking advantage of Navy Federal because Ive been told they have some of the lowest interest loans for service members. Im just not sure how much I can afford to spend our what common pitfalls I should look out for when buying a car. I make about 740 every 2 weeks  <response>: First off, Navy Federal is fantastic. When my husband was in the military, we refinanced vehicles and also had new vehicle loans through them. Interest rates are great, since its a credit union and they know you have steady income.Secondly, please realize that you should be utilizing your money responsibly. Ive seen many soldiers PCS to their first station and go wild. Money is drilled into their heads and they end up marrying the first tag chaser they meet because they can a. live off base and b. get money for BAH and BAS army-wise. Please dont be impulsive and end up with a money-hungry wife whos cheating on you with the guy down the street with your money.Also look into USAA. They have good insurance deals and they have fast and efficient online banking, CONUS and OCONUS. Honestly, if you need a vehicle, find something reliable and most importantly affordable. Save a certain amount every paycheck and save up for a new vehicle. And please dont think about just saving money when youre deployed. Money saving and responsibility is habit based. If youre not used to saving money, its hard to do it out of nowhere. Ive seen people save 10k on deployment, come home and buy a motorcycle, have no emergency savings. When something breaks down, they have to take out an AER loan, payday loan, or pawn everything they love to try and make ends meet. That being said, everyone is going to use some money to go out and have fun. Just make sure you have a cushion of savings in case something happens. 