<prompt> Human: In a couple of months, I am planning to buy a used car. The price range is in the mid 30k to 40k. My credit right now is in the fair but by the time I plan to buy the car, most of my loans and credit card will be paid all completely. What would be an average credit I could get approved for a max 40k loan?My annual income is approx 75k .  <response>: PF is going to strongly encourage you to reconsider your budget, buying a car with a value greater than 50 of your annual income is unwise. 