<prompt> Human: Im looking to purchase a newer vehicle to replace my 97 crv. I have about 8k I can put towards it but my ideal vehicle would be 15k to 18k new otr. I know my fico score is 730 but my debt to income ratio could be considered underwater, approx 70k cc debt plus 200k mortgage. We have no problems paying more than minimum on both but could I get financing at a reasonable rate secured by the new car if I only finance half of it?  <response>: Youre worried about paying a few hundred dollars here and there to keep a car running while ignoring the larger issue. What the heck did you buy on 70k of credit card?Youre a bankruptcy looking for a place to happen. Pay that stuff off. You are in no place to be buying an 18k car. Buy another 5k Honda and get real about your debt. 