<prompt> Human: Hi, Im an 18 year old that applied for an auto loan with DCU Digital Credit Union.I applied for an auto loan 6,000 with DCU about a month ago and at this time I didnt have a credit score. They approved me for 6,000. They offered me with a 5.5 interest rate. I never took up this offer because I wanted to see if they would even approve it.NOW, I have a credit score of 540TU and I applied for another auto loan with DCU Asking for 10,00072mo. This time however, my Dad suggested to use him as a co-borrower. Im not going to lie though, my Dad doesnt have the best credit 600-660 but I think hes making more than enough for this to get approved. Do you think I would be able to get approved?Here are some factors: My monthly income: 1,300 My Dads monthly income: 3,500 - 4,000 - Rent Expense: 1400Vehicle of interest: 2008 BMW 528i I dont need to hear that this car going to be expensive to maintain, etc. I have a plug for all my auto needs :.  <response>: I wont talk about the car choice but will talk about your loan terms. If you have to stretch a loan to 72 months, you probably cant afford it. Seeing that this is already an 8-9 year old car, get the loan for 36 months, nothing more. A 72 month loan will probably put you in a predicament of you being underwater when youll probably want to sell it in 1-3 years. 