<prompt> Human: Im 18 still in school and I have a job that pays 450month. Should be enough to finance a new lower class Mercedes, BMW maybe 2 series or Audi. I have 5k for a down payment and could get up to 3k loan if needed. And advice on how to handle this?Assistant: If you have 5k and need a car, buy a car for 5k. If you have 5k and dont need a car, dont buy a car. Dont finance anything. I cant imagine youre eligible for something resembling a decent rate. Check if you want, but I suspect youll be paying 18 or higher. Not worth it. Additionally, check to see how much insurance will cost for you. Theres a good chance you cant afford to insure and fuel a car. Human: Its 24 but over up to 84 months. That means I dont have to pay that much a month and I could make it...and the 5k wont be enough even for a used one, the cars Im currently looking at are like 25-30k.  <response>: Do you like throwing away money? you have no business LOOKING at cars that cost 25-30k. 