<prompt> Human: I recently started a new job and have a situation where I must commute every day around 120 miles. The vehicle I was using has started to become a money sink due to repair costs and I am very interested in upgrading to a new car with better gas mileage. My credit is not great and I wanted to know a few things about potentially financing a vehicle. My plan is to take 5,000 from savings and apply it to a 25,000 loan. My situation currently is rent free housing with extremely low monthly bills so what I wanted to know is if I am able to afford it then would it be beneficial to throw potentially thousands of dollars towards my payments for 6 months and then refinance for a hopefully lower monthly payment that I can comfortably afford while simultaneously moving closer to my work and taking on other bills like rentfood and so on. Essentially Im just trying to find out if they have methods in place that hinder this type of tactic where I wouldnt be able to lower the monthly payment in the near future of around 6 months after throwing 1,000-2,000 a month at the loan.  <response>: Better idea: dont spend 25k on a car when youre worried about being able to afford it when you move out. 