<prompt> Human: Hi Im 22 and I work at a call center making about 2,000 a month. I just returned to my job from a LOA because I did not have a car due to a drunk driver with no insurance hitting me head on who also happened to be going through bankruptcy so I wasnt able to be reimbursed through court. The car that was totaled was a 98 Honda Civic that I paid 1,200 on, on top of around 2,000 in repairs right before I got in the accident. Due to the accident I had to take an LOA because my job is about 45 minutes away.I need a new car sometime this week and my mother offered the option to make the down payment and cosign on a new 2015 Jeep Patriot thats going for 15k. My mother also owns the same car and pays around 450 a month for it. Shes been arguing with me to do this for about 4 or 5 months and the only reason I havent done it is because my father tells me financing a car like that is a bad idea and I should buy used. Ive only ever had used cars and it sucks thinking about how many times Ive been stranded and how much money Ive had to dump into them I know even new cars break down but my mothers had her Jeep for about a year and a half and hasnt had any problems with it. I dont have anything saved up, my mom will not help me cosign or put a down payment on a used car and wants me to go with new because she believes its more reliable. I do have a very reliable job that pays 14.38 full time along with any amount of overtime I want and I actually should be getting a 80 cent raise when I get promoted in a couple months. Ive told my mom so many times I do not want to finance a car but at this point its kind of my only option my dad kinda just got out of jail so he doesnt have a whole lot of money to help out on a used car but I just wanted to know what your guys opinions would be on this? I have to make a decision within these next couple days because without a car I might have to quit working. I dont have any debt but my credit isnt all that great either a pro I found is that this could help me rebuild my credit as well. As far as bills go I pay 80 for a phone, 200 in gas, and about 250 in rent.This is what she was looking atAssistant: At 14.38hour you really shouldnt be buying a brand new car unless youve saved up cash.Human: On this note, OP - if youre making that much money per month, and your bills are relatively low, how much money do you have saved up right now?Assistant: I have 0 saved up right now I dumped all my emergancy savings into my honda before I got hit. Human: There is middle ground you know. You dont have to spend 1200 on a car and you dont have to spend 15k either. You can ask her to cosign something for 7k for you and youll be fine. Assistant: Thats what I was thinking as well. A part of me is just kind of tired of used cars but I mean regaurdless any car is gonna need work. Shes been pressuring me to finance for the past 5 months now and Ive been telling her all the time that its not something I can afford. But at the same time the offer seems appealing idk Im going to try to push for a newer used car.  <response>: Read through the Car Loan Horror Stories might convince you that a car you cant afford really isnt worth it. 