<prompt> Human: Hey guys,I am trying to purchase a used Mercedes from an independent dealer. I am following the finance guidelines for 20 down, 4 year loan, 10 of my personal income. Out the door price is 83,500 and I am willing to put 10k-20k down. So the loan would be anywhere from 63.5k to 73.5k, im flexible.The issue I am having is that no place will give me a loan over 40k. I havent financed a car before or taken out any loans. I make over 150k a year. I rent my house and have recently moved to another part of the state for work. How do I go about getting this loan. The internet loans and banks have all denied me. Do I need a cosigner?  <response>: Its the market telling you that youre buying too much car. Start smaller, and work your way up. What does your Credit Karma look like? What red flags pop up on your credit? If youre making 150k a year, then just save up the extra 20,000. It should take you no time at all. If I were in your shoes, Id listen to the market. Get something in the 30,000 range for now, and live with it for a good 5-6 years. 