<prompt> Human: So the question is a little vague theretofore let me give you some details on what I am asking. Dont want this to be too long otherwise I will have to add a TLDRMy car completely broke down it is a 96 beater and I have never bought a car from a dealership or paid for a car via installments. I have no money for a down payment but of course I can save maybe 1000 after 2 months. I cannot possibly pay more than 150-170 a month. My wife has good credit and she said that she is willing to co-sign mostly so she doesnt have to drive me everywhere.1 Is it cheaper to buy a new car or a used car? This is a weird question because I was told that used cars have higher A.P.R meaning that a new car would actually have a lower monthly payment...I dont get that.2 Is it best to get a car loan from the dealership I am purchasing a car, a bank, or even a 3rd party like capital one?3 What should I be looking for when I am shopping for a loan?4 Is it even better not shopping at a car dealership and possibly going through a government program if one exists?Please stick to what I am asking for, not looking for criticism of my current economic situation thank you.TL;DR Read Questions That Are Numbered  <response>: Is it cheaper to buy a new car or a used car? This is a weird question because I was told that used cars have higher A.P.R meaning that a new car would actually have a lower monthly payment...I dont get that.Used cars are less expensive. The higher interest rate would make a difference if you bought a recent-model used car like a 2015. Im guessing you are looking for much cheaper. 2 Is it best to get a car loan from the dealership I am purchasing a car, a bank, or even a 3rd party like capital one?Shop around but best is a credit union or even a bank, dealer financing usually is terrible. 4 Is it even better not shopping at a car dealership and possibly going through a government program if one exists?I dont think there is a government program. Make sure to get the used car inspected by a trusted mechanic. No, its not cheap, neither is finding out the previous owner never changed the oil, or that your car came from snow country where the roads were salted and the underbody is basically rust. 