<prompt> Human: I apologize if this is in the wrong subreddit, at the very least Im hoping to have direction as to where to post this at, thanks.Id like to buy a car, I make approx 35k a year and do no have any money for a down-payment. Im not confident in being approved for a loan with my credit as I have almost no history. My parents have agreed to cosign for me if they need to. We looked at an 08 car last night and I fell in love. The seller mentioned if we were paying cash which my parents have that he could sell it to us for 1800 in a cashiers check so we have a receipt and the rest could be in cash. This saved us only in taxes and I would be able to have the car for a total of 8600. Now my parents need the money back and I supposed my dad didnt think about it but if he buys the car, and then I get an auto loan for the 8600 then I would also have to pay the sellers tax on it once the title gets changed back to me. A thought was to take a personal loan for that amount, however my mom says the rates are higher. I could of course take an auto loan out initially with them cosigning for it, but this defeats the purpose when trying to cut out all the tax costs.So just trying to figure out what my options are. Theyve potentially suggested that I just make monthly payments to them, but id honestly would prefer against it if I could.Thanks again.we are trying to have a solution by tomorrow, my current car does not work so I need a car asap  <response>: You always have the option of not committing tax fraud. 