<prompt> Human: I am 100 debt free. A year ago I talked to a few dealers about what they could do for me once I had excellent credit. Now they are saying the reason they are offering me high rates is because of my monthly income. Im on Social Security. Please, I need advice. My quality of life will be much better with a car. Should I just spend another 3-4 years saving up cash? I wanted a low interest car loan for the credit history. I prefer a used car. No less than 5 years old and no more than 75,000 miles. I feel like all this hard work was for naught.  <response>: Consider asking your credit union or bank what kind of rates they can get you. 