<prompt> Human: Do you just pay cash?Do you get a loan from the bank to cover the remaining balance after the down-payment? Ive never bought a car before and may have to shortly, as mine isnt doing all that well. I have good credit 700s, but have student loans equal to 23 my gross annual income, so I wonder how that will affect my getting a loan. Any input advice is appreciated.  <response>: They pay cash or get a private party loan from the bank or credit union- a cashiers check is cut for the seller and you then make payments to the financial institution. 