<prompt> Human: Hey guys, Ill be going to my local bank in a couple days to get pre-approved for a car loan because Ive heard its better than getting financed through a car dealership. 26f single After taxes monthly income 3,500I usually get a very large tax refund 700 rent300 student loans130 phone bill250 grocerieshousehold items my boyfriend and I trade off every month on who buys 100 gas I have been saving but I have also been buying furniture for our new apartment and funding a couple trips so right now I can only put down 4,000. I have a credit score of 759 and have never had a car payment before. Just would really like your guys opinions, I want a quality car that I can enjoy and have for many years while still being able to save. What should my price range be? Should I wait till I can put down a larger car payment?  <response>: With your after-tax monthly income and other obligations, I dont think you want to deal with a car payment of more than 250. You dont want to borrow for longer than three years on a used car, either. So working back from that number, 250 X 36 months 3.1, plus 4,000 down, your car budget is 12,500 OTD. That means you negotiate a car price of about 11k max and the rest will be tax, tags, fees.There are plenty of quality buys in that range. 