What would a true playa’ be without a ride? Well, according to the fabulous female trio TLC, he is a scrub because he’s “hangin’ out the passenger side of his best friend’s ride tryin’ to holla at me.” Yep, assuredly, no one wants to be that person. Without a car, you are savin’ some serious money, but by the end of three weeks, you’ve tapped out so many friend favors that you start to believe that they might ask for your first born and a kidney.

Plus, as any good freeloader knows, the driver has all the power. Deciding to get some late afternoon foodage at Micky D’s, you catch a ride with a buddy, who has to make a quick stop at his Aunt Frankincense’s house. That ‘quick’ stop turns into a half hour, where the ol’ bag makes nasty comments and forces her oh-so-tasty fiberlicious prune cakes on you. Painful to stay, impolite to go, it’s a conundrum, one that’s easily solved if you had a vehicle of escape. So, as her cats shed all over your clothes and lick your ankles with their creepy sandpaper tongues, you start to wonder how to get your very own car. You don’t have the total cash money, but you have a job. You’re responsible…ish. It is time to break off the shackles of other car users and get yourself a ride.

So no matter what your auto loan needs are, whether you’re a newbie or a vet, we’re here to help you through the trials and tribulations of auto loans.

There are two main categories of auto financing: loans and leasing. An auto loan is borrowing money to buy a car, and for more info, check out auto loan basics and auto loan tips. Leasing is basically renting a car for an extended period of time, and for the down low on leasing, go to leasing basics and leasing tips. Or jump into the epic fight of borrowing versus leasing in the pros and cons section.

Both of these are legit ways to get your mobile love tub, and with a little help by yours truly, you will get there with as little emotional strain possible. As always, for some more precise answer to your SOS call, make an appointment with your personal finance guide. They have the lifesaver ready.