Overwhelmed, please help!?

[alicialions]

You can buy someones car from them for cash or go to an auto auction and buy a car with cash (one payment) or you can go to a dealer and if qualified for a car loan (either from the dealer themselves or a bank) you can then get the car and you make monthly payments (common sense would tell you the payments would be based on the price of the car purchased). Downpayment will also be based on the price of the car purchased. If you already had a car you could trade it in as your down payment or even towards a monthly payment or more depending on what they valued it at.