<prompt> Human: I went to get an auto loan the other day, and I was approved, but I needed a co-signer. Was my income the deciding factor?Im 22 years old and went to my local credit union for an auto loan.Some things:Amount Requested: 7,000 72 month termI had 11,000 to put down on a carMy credit score came back 762My annual income after taxes is 8,000 Part-Time, still in schoolIm a student with no financial responsibilities live with parentsNo other debts___I was approved for 1.9 APR lowest possible, I just needed a co-signer. Is this because of my income? Or what else usually decides if you can get it yourself vs. needing a co-signer. Also if my mom were to co-sign, does that affect her credit score?  <response>: I had 11,000 to put down on a carWhy dont you just buy a 10k car in cash? 