<prompt> Human: So Ive got my financials mostly straight. I make 3k per month after taxes. Rent, utilities, food, and student loan payments total 1900 if Im not paying my loans super aggressively. I throw 250 a month into savings. My E-fund is at 7k.However, my car is a 10 year old Nissan Quest with 130k miles on it, and its only going up with my 60 mile daily commute total, not one way. Im about to take it to the shop because its making some godawful noise again. In 2016 I paid around 2-3k for repairs and upkeep. This is a ballpark because I dont have all the receipts with me. I expect Ill have to pay that much this year as well. So now Im thinking about a used car with much lower mileage, because I dont want to have to deal with repairs and possibly getting stuck on the highway and missing work. I picked out a decent car on CarMax, 2014ish Honda Civic with 14k miles for around 15k. Unfortunately, to purchase the car Id have to get another goddamned loan. This is the exact opposite right now, as Id like to throw my extra income at my student loans. The terms I was offered were 13k after down payment at 5 APR. Thats like another student loan. Ive heard about interest free financing, but only in reference to new cars. What should I do? Are there better options Ive overlooked? Halp please and thank you  <response>: So you are paying 3kyear for repairs...so 250month. If you take out a 13k loan at 5 for 60 months, that is about what the car payment would be. Of course, the new car will also need maintenance, but hopefully less than your current.That said, i think its worth it to take it to the mechanic and ask himher to do a full assessment and estimate the cost of maintenance over the next few years for you. If all the major stuff has been done, Id keep it for awhile. If it is going to keep needing money you may want to bail.Plus, there are a lot of other cars you could get besides a 2014 Honda that would be cheaper. So thats always an option. 