<prompt> Human: I work a full time job and make 11.25 an hour. My paycheck is bi-weekly and ranges from 700-800 dollars. I only have one bill in my name which is car insurance. My credit score is 630 and probably get went get approved. My parents wont co-sign the car for me and I have a very minimal amount of money saved up like 200 what are my options?Assistant: Save up maybe another 300-400. I was in the same situation at 20. Your monthly car bill will be a little higher depending on how much you want to spend. I put 500 down on a 11k car and my monthly bill was 215. But you also need to add in full coverage for insurance.Human: Do you think Ill be able to finance a car with 500 down with a credit score as low as mine?  <response>: no. which why you save up 1500-2000 and buy a car in cash. 