Ok. First of all, some lore:
I am a grown ass woman (34F) and I have a full time job with benefits and health insurance and I pay ALL my bills of life on my own with absolutely no one to help me. And I’m mostly ok with that. But even with a new job and recent promotion, I still cannot afford a new car. I’ve always had to just buy extremely cheap used cars and wait for the inevitable day they will be too expensive to continue to maintain and die on me. For example, my list goes as follows:
2005 Jeep Grand Cherokee
1999 VW Beatle
2008 Honda Civic Hybrid
2011 Ford Focus
2016 Chrysler Sebring
2012 Jeep Liberty Sport
2018 Prius (my late Dad’s car, which of course … died)
And now, I am stuck with quite possibly the worst one of all. Lowest mileage but it’s a 2004 Kia Optima. I can feel it turning on me. Still drives okay and I’ve maintained it pretty well (It was my mom’s, but she was recently diagnosed with Alzheimer’s so obviously she can’t drive anymore) And tbh, if it wasn’t the ugliest car known to man, I’d continue maintaining it due to the lower mileage (was at 88k when I started driving it and NOA it’s at 92. I drove it across 5 states when moving recently and it’s still going… but… it’s doing some similar shiz it did last year before replacing a belt)
I had so much money saved that went into care for my mom and moving expenses (hers and mine)
So, my budget is pitiful but it is what it is. I can really, at this time, only afford a used car for about 3k.
Also cant trade the one I have in right now because my mom lost the title years ago and they’re making it impossible to order a new one, even with the correct POA forms. But I don’t think I have enough time for that anyway, as literally while im driving it’s stalling again and shaking and nothing works even in small ways. The windows eirher won’t open or can’t, because the motor is broken. The lights aren’t automatic anymrke, the locks arent automatic anymore. It’s so old and so annoying and I just want any other car but this one at this point.
But I suck at car shopping. I know virtually nothing about them. I’ve been taken advantage before because guys see a blonde female walking in to buy a car and making uncertain remarks and questions and they KNOW they can f*** me over.
The cars I keep eyeing and really want: Jeep Renegade, Kia Soul, Nissan Juke.
So. If you were me, in my position financially…literally only 3k, maybe 3500…. unable to pay much at all in terms of financing. Like hoping to find a car with a flat rate and maybe very tiny monthly payments, where would you look? Used car dealerships? Marketplace? Craigslist? All of the above?
A few of the ones I’ve had in the past have been a sad mix of friends selling me their old cars, ex-boyfriends pitching in a little (bless all of their kind souls) parents old cars they aren’t using and then some I bought myself off of Craigslist lol. Way before Marketplace was such a big thing of course.
Help me. Any card I haven’t thought of that are similar to those above? And what is the smartest way to go about this financially?