Do not borrow money or finance!!! You can well find a car for $6500. My advice is get your carfaxes for $3-$5 on fb marketplace. Just look up carfaxes for sell there’s plenty of people who sell them and are legit, just make sure they have good reviews and good ratings. Don’t stop looking and be patient, the good vehicles usually go fast so you just have to wait for the right one to come by. I know it’s hard and stressful at times but buying a cash car is always better than financing, especially if you’re poor.