<prompt> Human: Hi all, I am looking to buy a car and am planning to finance. I just wanted to get an idea of if I will get approved for a loan. I make 2,000month with a credit score of around 810. I really only have one credit line besides my gas credit card. I still live with my parents so I dont pay rent and my monthly expenses are around 500-600 or sometimes less. Im looking to buy brand new and put 10k down and loan around 30k. The car itself is 40k. So I would like to finance for 5 years. Im not a giant spender since I stay at home and I would be paying around 610 a month if I get approved with the 2.9 apr for 60 months. Would I be able to get approved for the loan by myself? Or would I need a co-signer to step in? I also was thinking of a bigger down payment of 20k so I wouldnt have to loan as much. Any ideas or tips before I head to the dealership?  <response>: Youre going to make a very common mistake, and pay the stupidity tax. Youll be back on here in a year asking how to get rid of a car you bought for 40k, still owe 28k on it, when the blue book is 20k.Look at a used car, or buy a much cheaper one. Your future self will thank you. 