<prompt> Human: Hi allI will be graduating in May with a business degree and got a job that requires a car. The job starts July 10th and pays 65,000 a year or 5,400 a month. Ive crunched the numbers and dont want to spend more than 300 a month on a car. Ideally, id like to buy a 14000-16500 used subaru, toyota or honda something practical w low maintenance. I currently have a 702 FICO score from my student loans and will be opening my first credit card this week bank of america cash rewards. Some more background info: im 22, graduating with 47,000 in college debt, my rent payments will be starting in September and be around 600. The thing is, I need to get my car beginning of June because im going on a road trip. That means, I wont technically be employed yet. I do have an official offer letter with my salary stating ill have that income starting in July. What sort of a loan do you think ill be able to get? Sizerate? I know Toyota and Honda offer new grad programs that allow people to finance through them before their jobs if they have proof of future income, but i want to know if I can get a decent loan through a bankcredit union. Thank you so much in advance!! Any advice is much appreciated. addition: ive been working part time since October and make 240 a week. not sure if this would help?  <response>: With 0 income, you have 0 ability to repay the loan. No reputable lender is going to touch that. Consider a rental car for your road trip maybe, and save the going into debt for when youve got a paycheck. 