Before getting a payday loan, consider existing alternatives. For example, the payday alternative loan (PAL) - a loan offered by federal credit unions, allowing you to get money as fast as a payday loan, but with another specificities.
There are a few downsides to owning a vehicle — this includes paying for repairs and maintenance. Auto repairs nowadays are quite costly, particularly after an automobile accident. But having your car is a way to be self-reliant, and the cost may be worth it in the end.