I'm refinancing this terrible loan and the bank person grimaced when they saw this.
this post was submitted on 03 Apr 2025
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You have the option of not buying one if you cant afford it.
And there are some used cars around the 2-5k€ pricepoint if you really need one i guess.
Edit: my main point was that it always shocks me to have such a car dependence in the US that you'd even have to go into debt. I am not saying Americans should just not buy cars...
Not really, depending on where you are.
When I was barely above broke out of college, I had to buy a shit box just to be able to go to work, because the only job I could find in my field was >20 mi from where I lived and had no public transit options that wouldn't add an hour of walking on top of how long the bus ride took. And that's assuming clear weather, which we get for maaaaaybe half the year. I don't know about you, but I'm not about walking for an hour in the blistering cold with spotty sidewalks in busy areas
So, while I could take the option of not buying a car, it would turn a <30 min commute into 2-3 hours one way on a good day. Buying a car was the only way not to lose >25 hours a week on work transportation alone.
I am explicitly talking about this in the context of me being non-american. And where I live the vast majority of people who can not afford a car (like young people) are not dependent on one. Even if you live in bumfuck nowhere you can get around by moped.
If you work full time you would usually be able to afford a (cheap) car. And if your still in uni the towns are generally big enough for you to not be car-dependant.
Every service worker is someone who needs a car but can't afford one, it's normal for working adults
No, you don't. Go look at America on Google maps. Then take a good hard look at the transit schedules.
2-5k is not something people have laying around now days.
If they do, they're not the kind to buy them.
But I'm speaking from UK market, might be worse down here.