<prompt> Human: Realistically how much leeway does a cosigner get you when trying to get a car loan.Im trying to finance a car but I have no credit, I have a good down and a cosigner with 720 credit score but how much leeway does that give me with a credit bureau?I need to build credit but I keep getting denied for cards and I dont want to invest in a secured card because then that takes out of my down and savings but should I just build credit?Any help is appreciated.  <response>: The question to ask is, Would the cosigner be approved on his or her own? If so then it can make all the difference. If the cosigner wouldnt be approved then you probably wont be approved with them.720 score is nice, but what also matters is the debt to income ratio. The amount of the loan would depend on that. For example, getting someone with a 700mo truck payment to cosign for you is probably not going to be a big help.Id recommend avoiding having a cosigner except in very limited scenarios. It can ruin relationships and the credit of both parties if youre not responsible with it. Better to buy a cheaper car and build credit for a year or two, if possible. 