Need a new car no co payer no down payment. Can just afford monthly payments what do I do?

Never purchase anything over time if you can only “just afford the monthly payments”.

You are only one “emergency” away from suddenly not being able to make those payments.

A lot of us have had to learn this the hard way.

Take the bus?

In other words, you are going to be up to your neck in… ah heck, what @Blondesjon said.

Why new? You can find really nice used cars if you’re careful.

Or…lower your standards to buy something you can afford!

Don’t ever finance…...you know, what @Blondesjon‘s said!

Hi @Bel665 Welcome to Fluther. I’m sorry to hear about your financial distress. Maybe you could buy a bicycle, or use public transport until you save up enough money for a downpayment. Pretend you are already making monthly payments.

Beware, the expense of having a car goes way beyond the monthly payment, in addidtion to gas, regular maintenance, and parts (tires) there is also the expense of insurance.

You never “need” a new car. You need reliable transportation.

Buy the car used. Cars are not investments. I’ve financed a new car in the past. Monthly payments, insurance, garage fees, maintenance, vandalism, parking tickets, etc. Drained nearly every check I earned. I won’t be doing that again. It’s very tempting though. Think about how much you love that new car now. Then think about if you will still love that car in 4 years. More than likely you won’t.

I don’t know your age or where you live but let’s make some assumptions.
Insurance will cost you $100/ month, gas $250/month, maintanence $100/month. registration, inspection parking $20/ month. You’re up to $470 per month and you didn’t even get the car yet! Can you afford that?
If yes, then buy an 8 year old GM car with the 3800 engine and 100,000 miles. Those vehicles run forever, there are tons of them, and parts are easy and cheap to find. Do a quick search on cars.com and you will find plenty in the $2000 range. You’ll also find plenty with 150,000 miles but that is starting to get a little old. 100k is just broken in.
You can drive it for a year or two and then sell it for what you paid. Once again look at Edmunds or cars.com to see how they retain value.
Avoid a Honda or Toyota with 100,000 miles unless you know the timing belt/chain has been changed. That is an expense you do not want. They both use interference engines that self destruct if the belt breaks.