<prompt> Human: Hi PF, Im looking for some advice on buying a truck for my fiance not yet married. We know what truck we want, but the financial details need ironing out.The situation: We both moved to a new state together this year. He came down first about 6 months ago and I followed 4 months ago. We live together.We are both employed full-time; hes an apprentice electrician and makes 22.50hr and he also has worked in construction and is a journeyman level welder. Im a manager at a bakery making 17.00hr. Our area is somewhat expensive: our apartment is 1600.00 a month and our other house bills total around 150.00.My fiancees current work truck is an early 90s F150, gas engine with nearly 700,000 miles on it. It runs poorly, needs an engine rebuild or replacement, a new transmission, it cant pass emissions in our new state-- its on its last legs. My guy needs transportation as his work sites are all over our region. On my days off I let him drive my newish subcompact car, but I need my car for when I work because I start early 3:30 to 4am before public transit runs. On those days he is often able to car-pool with a co-worker, but that is dependent on where they are working.He needs a new work truck. Money for the truck.Before I moved down here I had a pretty good job that included a retirement savings investments. I cashed out the retirement fund. It was about 20,000 total, so with 5000 going to income tax and the early cash out penalty tax I have 15,000 to spend on the truck.Where to buy the truckMy fiance wants a used diesel F-250 or equivalent. At dealerships these trucks run from an average of 18,000 to 35,000, though some can be found for cheaper. Weve also seen vehicles in our area from private sellers that average around 20K. The blue book value for the vehicle my guy wants is totally within our price range--13K-- but these are such desirable vehicles in our area that no one sells for that much. Our optionsIdeally we find a private seller who would take 13K to 15K cash. However, there are fewer of these trucks from private sellers than dealerships, private sellers can get 20K so, and we need the truck sooner rather than later.A dealership would allow us to finance. One issue with this is that my fiance has no credit. I have OK credit around 600, so I would have to finance it. My guy would make the payments.So a couple of questions:This is the main one: Who should be the title holder? My fiance is fine with it being in my name or his. It will obviously need to be registered to him either solely or jointly with me as he will be using it the most. We are not married yet. Planning on getting married next year. Are we better off looking into getting an auto loan from a bank or credit union that we could use to buy a truck from a private seller? Once again, I would be the one taking out the loan. I want to put as large of a downpayment on the truck as possible to minimize our monthly payment. This is the best way to go right? My fiance originally said I should just put 10K down and keep the rest, but I think this may be partially guilt on his part over accepting such a large gift and not a good financial move. I could use the 5K to completely pay off my credit card balance 1500 on 4K credit line and have some savings, but I think itll cost us more in the long run with the higher monthly car payments that are subject to interest. We share most all living expenses we pay our individual phone bills and I pay my credit card, but everything else is shared. I worry about the effect a large car payment will have on our ability to pay rent in the future, as it keeps going up fucking everywhere. Are their any tax right offs for purchasing a work vehicle and how would ownership me, him, both of us effect that?OK, thank you so much!  <response>: If your BF can drive your subcompact car for work on days that you dont need it, why does he need a honking F250? 