Before looking at cars, determine what you can actually afford by looking at your total transportation costs, not just the sticker price. How much can you afford to spend on a car? - CNBC

Buying a car when funds are tight is a multi-step financial process that requires balancing immediate needs with long-term affordability. Whether you are saving for a down payment or exploring specialized financing, the goal is to secure reliable transportation without overextending your monthly budget. 1. Establish Your "True" Budget