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The legal age to contract in Arizona is 18 so you may have earned money to cover the outstanding costs on the car, tax, gas but you wouldn't actually be the owner of the car and someone else's credit score "paid" for the car if you took a loan. It's easier to afford a car when mommy and daddy qualify for prime financing than if you're 25 and saddled with post-college debt or middle age paying for your bratty kid's college. *2 cents*
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