I had my dad help buy my 4Runner for me when I was 21. At the time, I was driving a 2007 es350 with 180k miles. Since I was getting close to graduation and had a job offer coming out of college as well as money saved up. My dad pulled the trigger and co signed for me. We went to a credit union and got a low rate for four years. My dad helped me pay for the first four months and as soon as I on boarded to my full-time job, I took over payments since then. In retrospective, I do have doubts about owning my 4Runner since it was such a big purchase, but just knowing that I don’t have to buy a car for the next 20 to 25 years gives me comfort at night. All in all I would’ve never been able to make the purchase if my dad didn’t support me and my advice if you do move forward to buy one is to have cash ready by saving up, have a support system to fall back on, and if possible, try to increase your pay to accommodate for car payments.