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Haven't had a car since September.
23 yo
Make abt 40,000 a year and live with my grandmother, have abt 5k saved.
I have no credit, and to get a loan from a local credit union seems to put me at a 14-18% finance rate depending on year and model ( has to be 2013 or newer)
In the philly area, it still seems like its a difficulty to find a decent used car that's sub 5k.
Should I finance? It feels like I have no option but don't want to be in debt for the next 6 years and feels as though it will limit my mobility in life to get education, move, etc.
Subreddit
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- 1 year ago
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- reddit.com/r/personalfin...