Hi,
Good things doesn't come cheap............ sad to say, there's
really not much car that is good and cheap, esp a silva.
Maybe a COE S13 will be a good choice in your case. S15, sorry to
say but even if they allow $0 downpayment, the monthly will be in
the region of $1000 plus at least.................
And your insurance for a S15? It will kill you lor. Expect to be in
the region of $5000 plus a yr in your case. In fact, I believe no
insurance company would dare to take you in as well.
The best choice in your case would be a S13 under your parents
name.