<prompt> Human: I bought a car on the 19th of this month. they mentioned i needed a co signer but did not pursue after checking credit. This is my first major purchase as i must have some sort of credit as they let me take it off the lot. i have insurance for the car if it matters. I got a call today from the dealership saying that i need to bring a co signer to come co sign for the car which i am making payments for. i cant think of a person who can co sign for me. what can i do? Edit 1: Ok so i tried to return the car tonight but they wouldnt take it. They said they had to get approval from the GM to get the return which will be available monday. And they gave us the keys back. Wed tried to leave it with them but they said they wouldnt be held liable if anything happened so we ended up taking it back home tonight. Assistant: Do you already have the car? If youre already signed paperwork finalizing the loan and have the car, thats not your responsibility. If you have not yet signed loan terms etc, then you will need one or they wont just hand you over the car. Human: Yes, i have been driving it since the 19th so about a week. Assistant: Did you sign the loan document? And do you have a copy of it?Human: Im not sure a out a loan document. : All i know is i have purchase money security agreement. I made a 500 dollar down payment and my first bill is early December. Its 489 a month for 72 months with an 11.25 APR. Its a newer used 14 dodge charger financed at 25,410. They barely went over the documents with me and didnt make clear which bank financed me so i dont even know which bank im paying. I bought it from a ford dealership Assistant: Its 489 a month for 72 months with an 11.25 APR.Thats a pretty high rate and a lot of money to be spending on a car.Human: Seriously! uRc145 you will be paying 35K for a car worth 25K.Assistant: Im working two jobs and my brother is helping me make payments. Other than rent which i pay 230 i dont have any other payments. Together me and my brother who lives with me make around 2000 a month and we were going to try to pay more than the 489 a month. We wanted to have it payed off within a year or 2Human: I can see why they would need a cosigner, your income is way too low for that car not to mention that interest rate and length of loan. Itd be in your best interest to not find a cosigner and hope that means they want the car back or be proactive and say you cant find a cosigner and offer to void the deal. You need to realize even if you had NO other expenses including gas and insurance which you will need both of if you want to drive the car, with the combined income of you and your brother you cant pay off that loan in the 2 years youre hoping, and thats without considering any of the interest that will be accruing.Assistant: They called today and said i need to bring in a co signer  <response>: You cannot afford this car. Take it back and tell them you dont have a cosigner. Hope that they will use this to undo the deal. 