<prompt> Human: Some background: I bank with Bank of America. I have 720 credit score. I have a month-old credit card with BOA. I have 2 negative marks on my credit report from about 5 years ago, ER bills that went into collections adding up to 300. I make 24,000 annually, live with my parents no rent and my bills are 700month. Im in the market for a 20k-30k car. My current car will be traded in for 5,000. I dont have any down-payment money. I went to Bank of America today to apply for an auto loan and was denied for a loan on a 33k 2012 used car. After researching some online after the fact, I found out BOA isnt very easy to get auto loans. Im reading that credit unions are much better, so I will be going to one tomorrow. Im bringing in the VIN to a car that is 26k. At BOA they didnt ask about a trade in; should I mention this at the CU tomorrow? I dont have a co signer, and am in need of an auto loan ASAP. Any advice would be greatly appreciated.  <response>: Is this a joke? You cant buy a car that is way more than your take home pay. 