<prompt> Human: I am 29 but just started building my credit earlier this year in Feb I assumed paying all of my rent and utilities on time and never owing any money to anyone built credit, but obviously not I have a good score of nearly 680 but I cannot get approved for an auto loan of about 18,000. I could put down 8-10K. I keep getting told I need a cosigner.Am I just shit out of luck and will be forced to wait another 1-2 months before a FICO score shows up for me?  <response>: Why cant you just get a 8k-10k car? 