<prompt> Human: So I got a credit card out of highschool to raise my credit, and I went in trying to buy a 2013 used truck, I ended up not getting the payments I could afford so it fell through, but it was a good learning experience but even though I had credit in the 720s, since I had never financed anything near 20,000, I had no proof I could make the payments, thus only giving me an 8 interest rate at the lowest.What is something I can do to start to prove that I am reliable to lenders? Would I have to finance something that I can already afford cash, but what would be a suitable amount? I was thinking we need a new dresser, maybe we could finance one through the furniture store at 0 interest for 6-12 months, whatever it is they do. My credit limit is near 2,000 on the credit card. Should I max that with everyday stuff I will already buy, and just start paying it off at no interest?I am confused and every time I am told one thing about credit, I find out something even more detailed that completely changes the way I thought. I do currently pay rent, but I guess that is not good enough or not reported on credit?EDIT:First off, thank you all for trying to help, I really do appreciate it. But, most of you are completely missing the point of my original post, and thats partially my fault for not clarifying.My main question is what is the best way to show lenders that I can handle a payment? I was told I can only get a loan with a cosigner because I have never financed a big purchase before. That is my main problem. The debt to income ratio was not the issue according to the finance manager, the income stated on my application was the new amount I would be making during the summer, the finance manager said that would be fine, whether he was right to do that was not my concern I HAVE ALREADY DECIDED TO WAIT ON THE AUTO LOAN. Now, I was able to get a loan with a cosigner, but decided I AM WAITING because I was not able to get my payments low enough for the next couple of months. I was wanting a new truck BEFORE starting my long commutes for the new job, not after. My truck now can crap out at any point. Currently I am a student, I only make like 400 a month. But, I have money saved for the next two months to cover the truck payment of up to 300 I planned on, for 84 month loan I know, thats long, I was going to refinance after those couple of months and had actual money to spend, still not the best plan but I was fine with itThe ONLY new payment I would be taking on would be the truck payment. I dont pay the insurance. I already pay for gas now. Everything else is COMPLETELY covered and accounted for. I will not have to pay for rent when I start my new job. My student loans are deferred until December.  <response>: Why not buy a 2-4,000 truck with cash instead of taking out a 7 year loan? I drove a truck all through high schoolcollege that cost 2,000. It was a great piece of equipment. Best part was, because it was so inexpensive, I didnt mind using it as a truck. Off-roading, towing, stump pulling, seeing how many fit in the cab, tossing whatever in the bed, didnt matter because it was a cheap work truck. Six years later and I sold it for partsscrap for a nice chunk of change. 