Would getting a job simply to buy a car a smart idea?

If you can get the car, it should be a beater, a cheap car, not an expensive NEW car, until you're out of college. If you have a car to make deliveries, you also need EXPENSIVE commercial insurance, or while you are making deliveries, you are not insured. Your insurance, as a youth, under 25 years old, your insurance rates will be very high. In fact, in Canada, they don't start to drop, until you've had your license for over 5 years.

Your credit isn't good enough, as a student to get a good interest rate on a car. That 0% finance is not likely to work out for you. Getting a job would be smart, but the other choices are not so smart.

First, you wont even come close to qualifying for said loan.

And 2nd, its a terrible idea to take on that much debt at such a young age.

Loans are for well qualified buyers. Like people with several years on the job, income over $2000 a month and good credit. And even then, you wouldn't likely qualify for 0%.

So a new car is at least 4-5 years away for you. Unless your parents were to finance it for you.

And you aren't thinking about insurance which would be very high for your age. Between a $450 car payment, probably $200-350 a month in insurance and gas, you are broke. All for a car that in 4 years wont be worth half what you paid for it.

I wouldn't buy a new car on credit and certainly not to do deliveries. Last time I checked on commercial insurance it would have cost me 7 grand a year , that's with a clean abstract 50 years of driving experience 25 years of which was driving commercial. You do deliveries for pay and have an accident using you own insurance you don't really have any insurance.

College is not cheap in Canada unless you are a Canadian citizen. Foreign students pay international rates which easily hit $25,000 for most programs for 8 months of study.

You cannot obtain a driver's license in Canada unless you are a citizen or lawful resident. No one is going to allow a foreign student to finance a car. No place is likely to allow even a Canadian student to finance a car unless you are currently employed full-time and have at least two years of work history and a solid credit rating (in Canada). Insurance in most provinces will hit $3,000 or more a year. Gas, parking, snow tires, maintenance, etc. will easily hit another $300 a month in most cases.

There is NO way that you would be approved for ANY kind of a loan, with your status, and lack of significant and long term income.

So relax, you will not be able to buy a car for anything other than cash, which will greatly limit your price range.

Plus, have you priced insurance ? No one gets a car loan without paying for FULL coverage, and for a student, that cost will be huge.

never brand new; you'l be overpaying by $1000s.

creampuff used: <3 yrs old, <30k mi in most cases; excell cond.

that'l be abt 20% less than brand new bc the 1st owner has paid the depreciation or most of it.

then get bumper to bumper warranty,

not powertrain/drivetrain w/ killer loopholes.

No because that job will run up miles on your car and you will stay underwater on your loan and run out the warranty quickly.

It would not be smart going into debt at this stage of life.