<prompt> Human: Hi Personal Finance. long time listener, first time caller. Im looking to buy my first adult car, my current and only car I paid 1000 cash for and its lasted me a solid 2 years. Im 23, just graduated college, and working full time for about 30K. My credit score is just north of 650.The car is a used 2005 Honda Element and its 7500 and Ill be putting 2000 down. Would you call this a good deal?  <response>: No, shop around for a better rate. And possibly a better car 