How do I convience my mom to let me finance a car?

I really want a '97 to '01 Honda Crv. I have enough money to finance one and I'm almost 18. We only have one car and we all have to share and sometimes it gets really hard. Now my sister doesn't work at the same job I do so its harder to share the car. BTW the car is shared by my mom, sis , and me. I think that if I get my own car things would be easier. I know I could pay payments on a car cause I've saved up all of my money. How would I ask or convience my mom to let me finance a car? how would I do it and what would I say? I know cause I'm not yet 18 that I'd probably need a cosigner, right. Please help, If I'm gonna do this I need to do it now.

How do I convience my mom to let me finance a car?
Young lady I commend you for trying to buy your own car. I just gave my daughter my 98 Honda Civic.





So here goes.....





First of all, tell your mother that you are a responsible teenager who works hard and you are not out partying or doing drugs or drinking.





Second, it would be beneficial to have a second vehicle in-case your other car has mechanical problems, since it's your only form of transportation for work and emergencies etc...





Third, you have factored in how much insurance, the cost of gas and monthly payments and quarterly maintenance would come out too. Figure about $50 every month or about $600 a year for oil changes, new windshield wipers, replace timing belt/chain, water pump, spark plugs, tire rotations, new tires etc.... Honda's are reliable cars so good choice there, my Civic has over 100,000 miles and is still running strong. But before I gave it to my daughter I replaced the brake pads, replaced the timing belt and water pump. It cost about $750 and that was a bargain trust me.





And that your mother would never have to worry about you losing your job because you have proved your maturity level to her in the past by getting straight A's in school and your involvement in sports and other high school activities.





And on top of all this you have money saved in the bank enough to put 20% down on the car you want to buy and six months payments saved in the bank.





Good Luck to you!
Reply:Have you also looked into the cost of insurance in your area? I have a 98 Ford Explorer and I pay about $90 a month in car insurance. A vehicle is a HUGE financial responsibility. You will also have costs of maintenance, repairs, etc. What are your plans AFTER High School? Are you planning to go to college? Do you realize how different college is from high school? Your mom may be able to see a little further down the road than you right now. I know it may be hard to accept. I felt the SAME way at your age. I also wasn't able to get a car until I was 21 - with my mom's help. It was the better way to go, now that I look back. I'm now 32 and can see how much more difficult it actually would have been if my mom had let me get a "junker" too soon. You'd be suprised how much money you can sink into a car that you didn't think about in the "monthly payments".
Reply:If you do not have a job you will not be able to finance a car, sorry thats how it works
Reply:NO You are not 18 yet, and I know that since you are ..... you need to Impress people, but really, you need to find a regular old car and not worry about what people will think of you. PLUS the CRV is expensive to operate, plus Honda will require you to change the Timing belt at 50,000 miles ($450) which cannot be done by some shadtree mechanic.





You cannot make payments on "Saved up money". Making car payments will also require you to carry FULL Coverage insurance.





Got $1000? look in the paper, judge people on their integrity, and get a car.
Reply:Some of the costs of owning your car:


1. down payment


2. monthly payment


3. Car insurance.


4. gas


5. Car maintenance, repair.


6. Driver license


7. Good driving record history.


8. What happens if you are laid off? who will be paying the


monthly car payment, insurance ,etc.





If you can answer yes to these questions, then show or prove them to your mom.

ginkgo