So many options.. someone give me some insight/direction! I recently totaled my car and got a payout from my insurance of about 8k today. I'm a full time student, not working. I'm surviving on OSAP, baby bonus, child support and a monthly inheritance payment of $1500. I'm driving a rental at $45/day until I can find a vehicle. I have OSAP payment of 15k coming in the next 2-3 weeks, as well as my taxes (not depending on that as who knows when it'll come.. its been adjusted and says it wont be done till JULY). I don't want to buy a cheap car with the 8k. I'd like to wait until the OSAP payment comes in to use some of that money to get a better vehicle that'll last me a while.. The model/year that I'm looking at is about 13-16k before taxes. I have never bought a car from a dealership, I've always bought private and paid cash. I don't want a monthly car payment! I don't have good credit (580/600), no credit card debt or debt in general. I have a small credit card with $300 just to help me build credit. I spoke to a dealership yesterday about my situation and he told me that the minimum for financing is 6 months! I want to pay it off ASAP, as soon as that OSAP hits. So less than a month. BUT, another redditor on this thread said he paid his off in 7 days! So, is the 6 month minimum for financing NOT standard at all dealerships? What do I do? Bank loan? Dealership financing? Any good places that I can get a loan or short term financing? I'm honestly just overwhelmed and confused over this and what I should do. Not sure this is the right thread but hoping someone here might direct me in the right way.. help!

So we have worked it that we do not need all the money we request to loan for our mortgage through doing a lot of labour ourselves and putting our own money in (self build). We are going to be left with €50k-€70k of the loan not drawn down, which is the difference of about €200 a month to pay back for 35years if we did take the whole amount. We wanted to have as low a mortgage as possible, but now we’re thinking, are we mental for not utilising this money when it’s there for us? We aren’t finishing our garden, figured we’d do that over the next 5 years ourselves as to be honest it’s not a major importance to me. We are already getting solar panels. We have good cars although they aren’t EVs. (Was thinking maybe we should get an EV with it?) What do you think? Any uses or just leave it and enjoy €200 less of a mortgage?