<prompt> Human: Some info about me, Im 20 and work full time.My current car is not working, I have no idea whats wrong but I have decided that I would rather get a different, more reliable car instead of funneling more money into this old beater.I have a bit more than 4000 in my account right now. I could afford to put down 2000 and make monthly payments of 350 on a car.Problem is, I have no credit whatsoever and dont think I could get a cosigner. Is craigslist-by owner my only option for buying a car?  <response>: I have a bit more than 4000 in my account right now. Buy a 3,000 car in cash, and then junk your old car for whatever 200-300-500? you can get for it. 