Dude if you got 7k, just apply for Financing through ebay, its right in that Auction, Not sure how your credit is...You'll probrably need to finance the money for the tax too if you have low-no credit your probrably gonna get like a 13% interest rate, if you got good credit you'll get like a 4.5-7% interest rate... lets say the winning bid is 20k you put down 7k, you finance about 14000(including the sales tax) over 60 months at 12 percent interest rate, you pay 289.19 a month for the car fo 60 months, or if you luck out and get like a 5.5 percent rate then 248.32 a month for 60 months....i say you should do it dude, you only live once, and your only young and dumb once