If its way too cheap to believe and/or it involves free shipping and a money back guarantee, its a scam.

There is no car. You send your money and they keep it.

Look for local phone #s and if you cant go see the car in person, its a scam.

0% is for well qualified buyers usually over 720.

But its often not the deal that people think. You can often get a discount for not using the 0%.

The other thing is, its often for short terms, like 48 months.

Don't let a fake 0% interest lure you into buying a new car.

I say Toyota. I have a 2003 sequoia (same as a Tundra) and it has had 1 issue: the damn tailgate handle, nothing else. it has 230000 miles right now. I have a friend with a 2004 Yukon (same as a Silverado/sierra) It always has problems, one windshield wiper works, half the windows don't roll down, the gauge is stuck at 120 mph, you have to giggle the key just right to start it. nothing mechanical, just a lot of annoying things. I never buy fords, because when my dad was a kid, the gas tank fell out of their ford station wagon nearly killing them. I am sure this is no longer an issue, but I never really hear anything good about fords, and love my Toyotas too much to want to switch to Ford.

I always recommend an older (2004+) Focus, which is widely available in a manual transmission, for a first car. Cheap to buy, cheap to insure, and cheap to feed and maintain. They are stylish enough and do not tend to attract large repair bills. I especially like Ford's engine temperature management system, which nearly eliminates the risk of ruining a head gasket.

New drivers statistically have a 60% chance of wrecking their car in the first year and 80% chance in the first three years. It is not about being a good or bad driver; it is about the steep and unforgiving learning curve for driving in traffic. The warning even applies if your parents buy the car and pay the insurance. If you wreck a $15,000 car in the first year your insurance will go up to repay it over three years - about $450 per month extra. Your parents will probably get tired of paying your insurance before then, leaving you with insurance premiums you can't afford.