I can't afford my car
Sorry to hear that, why can't you afford your car?
Because I have a lot of expenses now and cars are expensive.
I'm sorry you are having a hard time with your expenses. You shouldn't get into something if you know that you won't be able to afford it. If you can't afford a car right now, you can always use public transportation instead.
I'm going to ask my Dad if he can lend me the money.
It's good to ask for money from your parents if you are able to pay them back.