First, buy another car. Consider the reliability and expenses of repair for a 15 year old Audi. See how much it costs for basic repairs - brakes, starter, heater, timing belt, AC. For $4k, you can find something better. Get a newer Toyota or Honda for about $4000-$5000. Not likely to break down as much and are cheaper to fix.

Work and save your money. Pay cash.

When you consider the price of the car, don't look at the payments. Look at the cost of the car. If $4k is your budget, look at those cars. Car salesmen can work magic to put you into debt that is unwise and can be unmanagable.

I think that if you have an guarantee (like your mother or someone with enought revenues) any bank can lend you the money that you need. Consult 2 or 3 banks.

Save cash and buy a newer more reliable car. Even if the audi were reliable, you should only pay cash. I would give anything to have the knowledge I have now at your age. Never borrow money for a car.

You can learn more in a short period of time about managing money and becoming wealthy by reading a few books, now. I suggest these books:

The Total Money Makeover by Dave Ramsey
Financial Peace by Dave Ramsey
The Millionaire Next Door
Master your Money by Ron Blue
The Wealthy Barber

These books have a common theme about remaining debtfree and investing. It doesn't matter how much you earn, you can be wealthy. Good luck. Sorry Imolina, this post was for Kyle.

You might find aauto dealer that would give you the loan if you buy from them

"15 years old" and "Audi" in one sentence - this sounds scary . Seriously consider buying another car, as this one will be a money drain...

Everyone else's device is wise, however if you still want the car it would be wise to ask family or friends for the money. Since you are 19 I am assuming you don't have much credit, so loans are probably out of the question.

i think that if you have an guarantee of your father or someone any bank can give you money.

loook up hard money loans on the internet.

A 15 yr. old Audi V8 from a friend. Hmmm....High gas prices, expensive imported parts and labor, arguments w/friend about the lemon he sold you.

Buy a bicycle.

To get a loan, your best bet is a cosigner.

As far as this Audi, I would definetly avoid it. It is an import, therefore parts and labor on the car is going to be very costly. You can definetly find somthing better for the money!

just my 2 cents.. we are in our late 50's and had always bought used volvo's... ( could definitely afford to buy new)
but since buying our first NEW car in 2003.. i have never looked back..
the fabulous idea of a maintenance free car.. is such a novel idea....
with a used car, the cost of possible on-going maintenance.. more that makes up for the cost of the car...

I agree with those who said buy another car. I remember how important a car is at 19, but money is a lot nicer.

Pay for a car with cash - like if you have $500 or $1000. There are many old cars that will drive for years without problems - except for style. Keep the other money in your pocket to cover any repairs (that Audi will need some expensive ones).

Then, take the amount that you would be using as a loan payment and put it in savings. If that doesn't lock it up enough for you, buy savings bonds with it every month.

Whatever money you save at 19 will be a lot more when you are 29 (and you might need it more).

If you can't afford it don't buy it. Save up the money.

Yikes! Save the money! The number one best financial practice (in my opinion) is to buy your cars outright!