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So I just moved across the country for a job. I now make way more than I ever have driving a van and delivering packages for a company named after a famous river in South America. I currently make $16 an hour plus small bonuses for 40 hours a week (I also get paid weekly). This is about $2100~ a month after taxes or around $2400~ after bonuses. I pretty much have no savings do to the high costs of moving. My fixed expenses total to $675 food and travel (I mostly take the bus but sometimes uber if I wake up late.)

I donā€™t have a vehicle so I take the bus walk to work. Which totals about an hour and fifteen minutes of commuting to get to work 30 minutes early (if I take the next bus I would get to work 30 minutes late.) Driving would cut that down to 20-27 minutes. If I wake up late, I have to uber to work which costs $18-20.) The buses donā€™t run by three time I get off work but I mostly just catch a ride with someone who gets off at the same time.

I currently rent a room in a house. My land lord and his 11 year old grandson live in the house. I mostly just feel really uncomfortable where I live. It is very very cramped to begin with, and also the place has a really dirty feeling. It doesnā€™t help that there is a literal child that lives in the house so that makes me feel weird. I do have a girlfriend who lives one town over and neither of us feel comfortable hanging out at my place so we always do so at hers, which doesnā€™t seem fair. I pay $560 which isnā€™t too bad but Iā€™m sure I could find an apartment for just a bit more or maybe even a similar price. I moved from a house before so I still have a ton of kitchen stuff all I really need to move furniture wise is a mattress and internet (I donā€™t watch cable).

I kind of want to pick one of these and get the other one done a month or two later so please give me any advice you could! Thank you so much for reading my long post I really appreciate any help I can get!

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Do these online sellers take payments from other auto financers because I only see the option for their own financing.

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I am looking at both car max and carvana as they seem more my speed.

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I just checked, Colorado has no rerun laws so Iā€™ll have to go through what the dealership gives me. I have heard that Carvana(?) is pretty good when it comes to the whole ā€œnot screwing youā€ aspect. Are they worth checking out?

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I think your last comment got deleted because I saw a notification but canā€™t find it. I heard that once you drive the car off the lot then you are pretty much locked in. So if I drive it to the mechanic and he inspects it telling me itā€™s destroyed on the inside, arenā€™t I screwed?

If I buy from a dealership donā€™t they already have the cars inspected? Or do I get it inspected on top of that? How much does it normally cost to have a mechanic inspect a car and can I even do that without owning it (does the dealer just let you take it to a shop)?

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You make some good points. I moved to Colorado so at the moment summer isnā€™t too bad if I wanted to bike. But in a few months when winter comes Iā€™ll have to be in a car by then so might as well do that sooner rather than later. I also have no idea how to by a car. Apartments are so much simpler by comparison. I was pre approved for an auto loan by Capital One (my main bank) but the nearest branch is almost an hour away. Wells Fargo and Chase are the only ā€œnationalā€ banks with branches around here. Should I try opening an account with them? Or maybe see if theyā€™ll give me an auto loan? My credit score is at a poor 510 due to quite the depressive episode where I thought blowing all my money and racking up credit card debt would make me happier so Iā€™m sure that would affect any loan discussions.

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4 years ago