<prompt> Human: Hi everyone I hope this isnt stupid question or waste of your guys time but last summer I had the idea to buy a snowmobile come winter time. Since winter time is finally upon us I decided to go into our local credit union and get a loan, 6,000 to be exact. I am currently a college student and work part time at a local restaurant, I also sell firewood and cattle as well. Currently I pay for college through my inheritance and the only source of income I file is what I make at my part time job. I recently found out that I was denied my loan because my debt to income ratio was not high enough. I understand what that means but I do not struggle financially obviously I wouldnt be buying a snowmobile if I did. My question though, is how would be able to receive a loan from a bank if I am only able to list my part time job income which is a meager amount? Or is that just not possible at all? The reason I want to receive a loan is so I can finally build some credit and I do not currently have enough to buy a snowmobile in cash. Any responseadvice would be greatly appreciated!Edit: I appreciate all the responses and the sound advice, I think you guys are right and it might be smarter to hold off until this spring or at later more beneficial time. Thank you all again!  <response>: A couple of things. First off, never finance a toy. A snowmobile is definitely something that you wait until you can pay cash for. Second, a loan really isnt that great of a way to build credit. Get a nice simple credit card, pay a couple of monthly bills with it, and pay the balance in full. Your credit will build over time. Third, you can only count income that youre showing on your taxes, and something as potentially unpredictable as fire wood sales isnt like to be considered even if you are reporting it on taxes. 