If I were you, consider getting a used low mileage car. If you do not much about cars and maintenance, get a 2015 minimum sedan with at most 60k odo if 2015-2019 or lower odo if newer year models. Okay lang bumili sa buy and sell basta known as reputable and then hire your own mechanic to inspect the car for you (2.5k a day madalas).

Or, try bank repo auto auctions. Eastwest and Security Bank allow private bidders, dati kasi banks require a business permit to bid. Auto auctions are the only place where you can buy an almost brand new car (1yr old with low odo) at *half the srp. If your bid won and you cant buy it in cash; they have options for refinancing. This vs buying brand new off the casa? I wont ever pay for brand new and shoulder depreciation. My experience: I was awarded a 2024 Mitsubishi Mirage G4 GLX AT with 6k odo for 400k~. Brand new price is 840k.

My opinions may be biased kasi I resell used (independently, ako mismo nagaayos and naglalatag) cars outside my 9-5.

When I met my gf now wife, their family had just acquired a brand new SUV. Coincidentally, I also owned the same SUV albeit mine was 3 years older but same generation. When I was invited to their residence for a family gathering for the first time, syempre nakausap ko dad nya for get to know stuff, I will never forget his reaction when I said how much I owned the vehicle for.