<prompt> Human: Just trying to get a little more info from those with more experienceknowledge about creditauto-purchasingetc.Young, no established credit and in the market for my first new vehicle. I was looking at a 2017 VW SE which after incentives and rebates came to a total of 18.5k before taxesfeeslicensingetc.. I also have a 1500 down payment. Ive heard the 20 per 1k rule so I figured my payments would be somewhere in the 400s. The dealer claimed that the only approval they got was from a bank with a 26.1 interest rate bringing my payments up to like 600-650 and the total cost of the car up to around 27-28k. Prior to even running my credit and seeking approval the manager suggested I look for less car, something for 10k. There isnt a new car on the market for 10k Versa is like 12k base model, and used cars are even more difficult to get approved for so Ive heard, co-signers are almost essential, could be misinformed. The whole situation was very confusing. 18k is in the low range for the price of a vehicle, you cant go much lower, like maybe 16k? But I dont feel that 2k difference would make that big of a deal? It seemed kind of fishy in a way and I was getting conflicting information from the finance guymanagersalesmanetc. Should I expect this at the next dealer I try? Does the math add up? Sorry if this seems convoluted and I can edit if necessary but Im just thoroughly confused about the whole thing. Thanks ahead for any responses I might get.  <response>: You cannot afford a brand new car. You must shop used. And if you only have 1500 for a down payment, then I actually have to agree with that dealership that something for 10k is much more appropriate for you. 