Shady how old are you? Why would ya say getting a loan is a bad thing. I’ve had three through sefcu all for over 5k a clip, paid them all off as I went along, and I’m only 21. Easy way to build credit! Deff get what ya want kid. Honda or Toyota is obviously a good choice. You are not so mechanically inclined so dont go with German ya dont wanna leave bolts out on those .