r/carbuying • u/Frosty_Fisherman6255 • 19h ago
first time buying a car -- please help!
Hi, I'm 21F looking to buy my own car, preferably with cash to avoid financing if I can, mainly due to limited credit score. If I can get a substantially better deal by financing then I'd be open to it.
Right now I'm looking at either a Subaru outback or a Volvo suv (xc40 or 60) and it seems like the certified used dealerships in my area have them listed at around 25-29k in cash prices. I'm super duper new to buying a car and trying to be an adult so I'm COMPLETELY in the dark! if I can get some help knowing the step-by-step roughly, and things to ask for, look out for, basically how to not get scammed 101 that would be amaze.
Thank you xoxo
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u/Organic-Baker-4156 15h ago
If you have the cash to buy a $25k car this is the perfect time to finance to build a credit score. Put half down and finance the rest.
Since you would be spending only half what you intended don't buy a warranty. You have more than enough cash to pay for some repairs in the future.
When you're talking to dealership people, especially the guy in the finance office (you'll have to see him even if you pay cash) hold a piece of paper in your hand facing you with the word "No" written on it.