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You’ve really got no reason to buy an expensive new car when it’s possible to pick up a dependable pre-owned vehicle for thousands less. In the post-recession era we can find you a quality car that doesn’t cost a fortune. Simply find the car you want, then contact the dealer to get the process started. In Oxnard, the average per-capita income is $21,627, and many personal finance experts suggest budgeting only one-fifth of this for a car–in this example, $4,325. Bear in mind, most loan providers don’t offer car loans in such small amounts, so financing may not be an option.

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