B: I can help you. Do you have a down payment?

A: Yes, I have saved up three thousand dollars for a down payment.

B: Good, because you will not be able to get a loan without putting some money down on the car.

A: I don't know where exactly to get a loan.

B: Other than friends or family, you can go to a bank, credit union, or use the dealer financing if you bought the car off a car lot.

A: What is the best choice for financing?

B: It depends. The worst financing deal is usually at the dealer, but they will oftentimes give you a loan when a bank turns you down.

A: What do I need to have with me when I apply for the loan?

B: You will need a recent pay stub and a copy of the pink slip for the car. Before the loan is complete, you will need to show proof of insurance. Good luck!