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With a direct loan, you’re borrowing money directly from a government agency. All loan payments will be made to pay back the government.
If you qualify for a government loan, a number of potential benefits can make it an attractive borrowing choice.
Some government loans come with repayment plans that make it easier to pay.
To help promote economic and community development, a number of business loans are available to help fund businesses of all sizes.

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For a $3,800 vehicle, this would mean saving up $760. Pay back the loan in 4 years or less. Don't spend more than 10% of your income on payments and insurance. Rough estimate: your annual income should be at least 2.5 times the purchase price. So to afford a car that costs $3,800, you would need to make at least $9,500 per year.

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