Just pack up and go home. I don't buy $20k cars, but I've made it happen regardless of how little money I had saved up. There are so many ways to pay for a car, get the loan approved and pay back whatever method you used to buy the car. My friend bought a car using all his credit card cash available. Not the smartest thing, but he got it done. Then he paid off the cards when he sold a car. If you really wanted a car, you'd be making it happen.