<prompt> Human: Im seriously thinking about getting a newer vehicle. I have no idea what to be on the watch for financially, such as interest. I dont like being in debt, so I plan on paying it off ASAP. This is where Im unsure of what to do. Where do I go to for a loan? What should I look at for red flags? For paying it off asap, will I pay more or less overall interest if I get a shorter or longer loan? What is an average interest rate to look for? What percentage would be good for a down payment? Is there anything Im not considering?Currently Im driving a 97 Chevy K1500 thats at 176k miles. I love the truck, but I expect to need something more reliable very soon. As it is now, I dont plan on sellingtrading it in. I doubt Id get 1000 due to the poor shape the body is in. If I were to invest the money into it, Im looking at around 4k to get it on a respectable level, not including a future engine rebuild. Instead Im thinking about getting a newerless miles vehicle for use as a daily driver and keep the K1500 on the back-burner for a future project. For a vehicle, Im looking mostly at trucksI dont know how Id manage without one around 10k, possible a diesel around 15k max.Im 22, have a full time warehouse job, getting between 44hrs and 54hrs per week, pulling in as much voluntary OT as possible. Im in fairly good with management, so Im not too concerned with job security. No debt, and bills total around 1 weeks pay per month. For a future, Id like to go to college and get out of the shit town I live in, but Im not sure what Id go for, or anything else regarding it. I dont have much else for goals, just living each day as it comes.  <response>: What should I know before stepping on a car lot?To never talk price at all in person.I have written on this before:Never talk price in a dealership at all. Inform them that youre just test-driving and all price negotiations will be over email. If they bring up price after you say this, remind them, walk, or ask to work with a different salesperson that will remember your requests better.When you get to the point of buying send an email to all dealerships in your area: I want X car, Y year, Z options. Options in excess of Z are nice but I will not pay extra for them. I will be taking bids for final out the door price until date and paying on date at time with a loan from my credit union, so I will not be financing with you. Get bids and then send out a second email, The current low bid is S. If you can beat that, please email me before same date as before. Be honest and not stupid with this step, if you say something made up, everyone will bail as they all know the real bottomline price. Get the loan paperwork from your credit union and walk into the dealership. Fill out the paperwork and hand it to them, they will work with the credit union to finalize the purchase. 