<prompt> Human: I own a 2000 ford Taurus that is about to die, i took it to the shop and to repair it to a usable state it would cost me A LOT. I never really had anything to build credit on and i have some medical bills which my parents used to pay that were never payed from when i was like 18 Im 23 now. I just payed them like last month when i noticed they were on my credit report. Some info: I am 23 years old single, no kids and make 60,000 i have had my job for about a year and 3 months. I am looking to get a loan but my credit score is 570-590. I have tried to get approved with US bank and capital one but got denied. What are my options on getting a loan ? EDIT: Sorry, I started here at 38k I got a promotion and moved to 45k, got another promotion recently and moved to 60k. I have around 4k in savings, I guess I have never considered myself a very big savings person. On the same account i always pay my bills on time, So credit union is a good place to go to?Assistant: I was interested in like a Ford Mustang 22k from 2011 A lot of people are saying its reliable and it had great looks. I wouldnt look into buying something new.  <response>: I dont think you are in a position to be buying a sports car. Seriously, you have 4k in the bank. Buy a more sensible car for commuting. 