Putting away so much each month.
When the car rolls out in 2020 I will pay with cash.
Dealers love people in your age group with a ding or two in credit file.. The reason? Just like you just mentioned, they advertise " we'll get you financed".. They try making you mainly focuse on if you can or can not buy over what will it cost.. They will add as much as 10 percentage points to what you can actually get it for..You want an suggestion from an old dude who went through stuff like that in youth ?.. Go to your bank now, tell them what you are planning to buy, start an Elio savings account and fund it as much as you can in the next year..Believe me when the time comes they will give you a loan , and a low 3 to 6 % interest rate..Banks do not charge high rates , dealers pump up the points to make $$ on the back end of loans.. Buyers need to learn to never discuss payments or financing with dealers , just arm wrestle the price, watch out for the dealer bs fees they try inserting go to a bank.. Remember if a lender is going to turn you down the same lender will reject your application from a dealer, if they are going to approve you , do it direct and not give the F & I desk at the Stealership a chance to cram interest and plus , plus, plus-es up your ass..Go to a local bank or national chain, Do not go to a finance company..You will be fine !..Ps..I may have wrote this reply to the wrong post it was ment for the two people who are concerned about iffy credit not for Craig who plans on a cash purchase.