<prompt> Human: My credit is around 620 and Ive only been employed at this place my current job for 2 months.Edit: I am absolutely not looking for advice whatsoever on how much I should be paying for this car. I have a specific one in mind. This job is also very secure, and I can pay the loan off within 4 months. Im not looking for other answers to the question, or people suggesting buying beaters,or spending 1-2k. I just wanted an answer regarding the question I had asked. I appreciate the possible advice but your suggesting out of a situation you dint really know about. I just wanted to see if theres anywhere I would qualify for the loan amount I asked about.  <response>: Youre not going to get the loan you want with what you have. Period. You should save and buy the car outright, or you should see if you can make a down payment and get a cheaper loan; pay 1-2k in cash and get a 2-3k loan. Have you offered to make a down payment in cash? Because, realistically, you will never get a loan without offering the bank 30-50 down while being such high risk. Also, dont forget that if you do secure a loan to buy the car you will be forced to put full coverage on the car most likely making it either un-affordable or less-appealing. 