<prompt> Human: So I plan on buying a used vehicle but I would still like something that is going to last me a while. I have never had a loan and dont really have the best credit. I was just curious what to expect and if I should finance through a dealer or try mt bank. Also someone told me that they more than likely wouldnt give me a loan for a car older than 10 years. Is this true?  <response>: Be wary of sub-prime auto sales. They target folks like yourself that need a car but have bad credit. These so called buy herepay here car sales can be predatory and lock you into car payments that you cant afford. 