For context: I am 20 y/o college student. I do currently work full time and maybe $15 an hour plus tips. I have a good credit score, but it is weak since it only is from paying off credit cards. I currently have $10k specifically saved for buying myself a new car. I've been shopping around and trying to find either a Toyota or honda with decent mileage and not too much wear and tear. I've had no luck.

Dealers were a bust so I tried facebook marketplace and offerup. Better prices but the ones I've gone to see have all had some sort of issue. I want a car that will last me for more than just a couple of years. I've been looking around for a couple of months without any luck and my dad finally offered to make the monthly payments for a newer car. I would put down the $10k as a down payment and he would cover the monthly payments. However, with my weaker credit score, I know my interest rates would be high. The dealership we went to told us he'd be paying $425 a month. He's fine with the idea, now he's just waiting on me. I'm on the fence since I just wanted to pay off my car all in one go rather than financing.