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But in case you live in city, country, or the suburbs where things are spread out, it is likely that you will require an automobile to get around. In case you are on a budget, taking out a short-term payday loan might help get you around the curves of the initial down payment that's usually needed when purchasing an automobile or truck. But in addition you must consider how much you can pay for your brand-new wheels. Do you want to pay cash or make payments? Rent or buy? It is essential that you take time in advance to determine how much you will, spend before you drive off the lot.