<prompt> Human: So this is a rather simple question and I didnt catch anything on the wiki along the lines of it, what is a relatively safe percentage of your income to spend on a car?  <response>: Save up and buy something once you can afford to pay cash.If you insist on getting a loan, the 20410 guideline is often used. At least 20 down, loan no more than 4 years, no more than 10 of your income.But like everything, if you want advice about your situation, you need to give information about your situation. If you live in NYC, 0 is likely reasonable. If you live in an area with very cheap housing but drive 1 hour each way to work, you might want to spend more. 