<prompt> Human: I have no credit history due to age and am wondering what will I have to go through to take out a loan on a 25k car and what interest rates I might be looking at, having someone co-sign is out of the picture as well since my mom has nearly perfect credit top 3 or so so she wont co-sign even for her own father, and my dad has extremely bad credit so cant co-sign  <response>: What I read every time this question comes up:I want to live with my parents until Im 27 so I can have a nice car to bring the ladies home inCar payments are financial fucking murder. Youre 35, making good money, have the free cash to pay for a car 4 times over? Go for it. But 95 of people who come here asking for a justification honestly thats what youre asking for to buy a car outside of their means end up broke, living a shitty lifestyle to pay for some stupid car that isnt worth anything and isnt impressive to anyone 2 years later and cant afford anything actually worthwhile in life because theyre too busy paying for some stupid car.Outrageously large car payments are probably what keeps most people in shitty jobs that they hate, miserable, because they cant leave their job or they lose their car theyve been paying on for 4 or 5 years. Make like Nancy Reagan and just say no. Ill be the first to admit that I dont have a great tolerance for jobs I hate and I live a very minimalist lifestyle on not a lot of money and people always ask me How can you get by on that little money? Well I dont pay 500 a month 6,000 a year between the loan and insurance on a car every month, for one. Mines cheap and paid for with cash, I can do just about whatever I want. Ive had jobs making 10 an hour where I have the cheapest car in the parking lot by 10,000 or so and all my co-workers cant figure out why theyre broke. Or people on this forum ask every day I make a good salary, why dont I have any money? and the answer is that theyre making payments on a car, an iPad, a Macbook, jewelry, a TV, and thats where all their money is going.Debt is slavery. Let me repeat that. Debt. Is. Slavery. Youre working every single day to pay hundreds of dollars a month for some dumb shit you dont need and youre stuck doing it unless you want to lose many thousands of dollars with nothing to show for it. Youd be wise to learn that now instead of later. 