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if you have to shell out the bulk of you funds for the vehicle, leaving you will little left for the unknown, its a bad idea. Murphy's Law.

as for getting a loan, do you have any credit history? credit cards ect? if not, it will be hard, but if you do, this could be a good opportunity to help build you credit, but if you use a cosigner, it will do little or nothing for you.

If you go for the loan yourself, form a bank, they may look for collateral for the loan. You could make a trip to the bank or where ever and talk, see what they can do and what it will require from you and at what interest rate.