<prompt> Human: My gf absolutely needs a car and has found a pretty nice one that she wants to buy 07 Camry. She is trying to finance it but has been denied a loan due to literally no credit history her score is 620 but she just got a new job so she can easily afford the car financed over 60 mos. Im trying to avoid co-signing because I just bought a house and dont want to take on more debt as far as my credit report goes. Ive considered buying the car outright and having her pay me as if I were the bank at 5 interest, but dont know if I want to give up the cash want to keep it on hand to pad emergency savings and such.Also, fwiw yes she is just my gf, but we have a kid together and are basically married just wanted to get our finances settled before we start wedding planning and all that. Im not sure what to do but have to do something in the next day or two. What would be the smartest financial route to take?EDIT: Whoa thanks guys for so much feedback seriously. Right now Im leaning towards these options in order:1. Have her find high-interest loan and just refinance after 12-18 months after she should build some credit history she is also going to get a secured credit card2. Instead of co-sign, do a joint loan to make sure I have an interest in the car in the event that things go south.3. Find MUCH cheaper car online somewhere. Im ok with doing this but primarily Im trying to avoid maintenance nightmares. If you guys have a cheatsheet for buying cars with 120K miles on them please share.I have decided against using my personal savings to loan her the cash, since I think I can get a loan at 4 these days.EDIT 2: For those who say I should just pay for it because shes been at home with the baby for the past 18 months... Well its hard to compress 5 years of a relationship into a quick paragraph on here so try not to assume that me not getting this car means that I dont appreciate her taking care of my child. The main point here is that I pay for literally EVERYTHING else. She basically has no expenses other than things she wants for herself. IMO I dont think thats healthy in terms of keeping in touch with the reality of money and now that shes working she should try to independently own something. If she has trouble along the way I would obviously help her. Just throwing money at her is equally as condescending and not conducive to her own financial well-being.  <response>: If you two are as serious as you say you are, why dont you just buy or finance the car yourself keep it in your name and let her use it? She can buy it off you later or you can figure it out when you marrymix finances. I wouldnt suggest this except that this is the mother of your child who has no savings because she has been at home caring for it for the last 1.5 yrs. 