<prompt> Human: Ill try to keep it short and simple: Last week I got involved in a hit-and-run situation and now my car paid 3500 in cash is undrivable Car and Insurance full coverage were under my Dads name - I wasnt in the insurance policy so the the insurance company will most likely not cover my car plus the repair would cost more than the car is worth Im assuming the car is just a total losswont be getting anything from the insurance Im looking into getting a car from a dealership and need a loan I have a 720-ish credit score I moderate it carefully CATCH IS I might have trouble getting approved for a car loan From Sept. 2016 to Fed. 2018 I was working under the table in construction with my dad earned approx 1700 a month For the past 3 months I was working at an actual job paying me an actual wage but now is my last week as I cannot afford to get another car soon enough with minimum wagethings are hard as it isI have the pay stubs Starting next week Im returning to my old construction job that will be giving me a pay raise to around 2100 a month plus my dad will be doing all the driving so having a car isnt urgent at the moment I will be unemployed with income by the time I attempt to apply for a loan I cant get a good co-signer for a car loan friendsfamily have bad credit, no credit, or just dont trust me enough to co-sign Im looking to get a recent compact at around 13k-16kApprox 14 months ago I went to a credit union and applied for a car loan. After a credit check 730-ish points they approved me for up to 20,000 at 3.2537; interest with 2500 down for 60mo. I was so close to taking the loan until they asked for proof of income. At the time I was working under the table and only got paid in cash. I had no proof of income even though I could easily afford to pay. I couldnt find a co-signer so I had to turn to buying a car off craigslist.Im working on starting my own business in the coming months and I need a reliable and efficient car that would also help me make an impression thus why I want to get a recent compactDont worry Ill be in the insurance policy this timeWhat can I do to get approved for a loan with a reasonable interest rate?  <response>: Time to stop committing tax fraud both you and your dad. Put your big boy pants on and report your income, and get everything in order. THEN you can start your own business. 