if you have even okay credit its very easy to get a car with a manageable down payment. we recently purchased a vehicle for 12k (2015 model) with only 700 down and bad credit. not getting scalped on interest rate either. car ownership only gets expensive when maintenance is factored in
I’m unemployed and don’t have anything to put down (or, more accurately, i have only enough to do that), much less anything for monthly payments. i know you don’t throw down thousands of dollars at once for a vehicle, but i’m in a place where even a few hundred dollars is sacred (and fucking around with loans in this economy is a last-ditch; i would only do that if i had guaranteed employment). i only have last year’s tax return to keep me afloat, and even after the donation help i’ll still be putting about ~400 of that into my driver’s training, and then food, and occasional clothing.
vehicles in my price range would ultimately come down to questionable 1992 toyotas for $2000 at equally questionable used dealerships (which would then, of course, lead into the aforementioned maintenance)
it’s an even more difficult decision because if i do end up moving, even back with my parents for a year, i won’t need the car at all.