<prompt> Human: Ive been sort of a stay at home mom for years now, only working as PRN relief for a private medical services dispatch office. This means I only work when someone is sick, takes vacation, or takes time off work for any reason. Some months theres no hours, or only a single shift, some I can get a full 40 and overtime. This works out for us in regards to childcare and childbearing and also because we have only one car. I need a car. I have basically not bad credit, but empty credit. I am currently working the next 2 months for anothers maternity leave with overtime, so I know Ill have money soon, but Ive never bought a car new or used before. I have access to my SOs money, but weve no savings and are not married, but have 2 soon to be 3 kids, not married. And his credit is... Less than stellar from school, credit, and previous housing before we met.Basically how do you buy a car and pay for it on limited income? Is it better to consider financing in his name, as he is the more obvious breadwinner? Or in my name as the not bad credit but more nonexistent? Can I even use his income as were a household, with my info?  <response>: You can get car loans with minimal no credit history and less than guaranteed income, you just wont get good rates or a big loan, but thats probably for the best anyway. No credit is probably better than bad credit, in fact. Check with your bank credit union to see what they can do. You absolutely do not need to pay a lot for a car, especially if you have limited part time income. It would be pretty easy to spend so much on the car not only payments but insurance, gas and repairs that you end up losing money on the job car combination. Try to keep the car price well below 10K as you describe it here. 