<prompt> Human: So I am 19, graduated high school this past May, and have been working ever since. I have just recently gotten a new job, that pays damn well for a 19 year old and have made the decision that I need a new car. I have been driving the same car since I was 16 and it is over 30 years old. So here is my situation, I make well enough to finance and pay the car note every month but my parents absolutely refuse to co-sign on anything, their reason we had to do it on our own, you have to do it on your own. So what is the quickest and best course of action for me to take?  <response>: Save your money, do not finance a car. With no credit, your interest rate would be INSANE. I would say to only finance a car if the interest rate is below 4. With no credit, they will try to give you 16-25 interest. Yes, they will make you believe you can afford it because the payment is within your range! However, you could be paying triple the cars value in interest and the payment term would probably be 6-9 years. 