<prompt> Human: I have a good paying job 100,000 because of my skill in programming, I am renting a very nice apartment at the moment and have money saving up to purchase real estate in the near future 3-5 years. Ive made up my mind that Id like to purchase a car, in particular the one Im wanting to purchase is 90,000 Yes, the insurance is pretty ridiculous, so these additional factors have been taken into account - ideally I would like to put no more than 50,000 down for the car and then get a loan for 40,000 that I pay off very quickly so to increase my credit. Nonetheless, my question is more-so will I get approved for a 40,000 loan at my age? I have about 1.5 year worth of credit history at about 760. I can get a co-signer, but will that even help? Would it be better to take a 90,000 loan and then put 50,000 down to show I have liquid assets? Im not too worried about APR either, so a higher one wouldnt be a problem. Thanks for your help  <response>: A 90k car on a 100k salary. ... This sounds like the beginning of so many posts here from people drowning in debt. 