<prompt> Human: So, Im trying to purchase a car as quickly as possible. My situation is that I was planning to try in the long run to save up and pay as little for the car with loans as possible, but now I have a buyer offering me a decent price for my vehicle getting about 4000 for an 04 Chevy Tahoe with 160,000 miles that needs some work and if I sell it now, it would be months before I could get a new vehicle Im looking at getting something like the 2012 Chevy Volt. So my solution was to take out a 8000 loan and make much-higher-than-needed payments toward the principal each month so that it would be paid off by the time my student loans come out of deferment in a few years. I wouldnt end up being locked into anything particularly financially taxing I pull 2200month gross and an 8000 5-year loan at average interest would put me at around 150 a month, which is only about 30 total when you factor out the 120 or so in gas that Ill save driving a Volt. So my problem is this: No one will give me a loan. I have a 650 credit score, so not awful, but very little revolving credit history to supplement it. I also just got approved for my first credit card a CapitalOne Quicksilver so now Ive got a means by which I can build a little more credit history. Do you guys have any advice for what I should do? Bank of America and OnPoint a Credit Union here in Portland have denied my loan application. Is it worth it to keep applying and pinging my Credit Score for each inquiry? Or is there another strategy you think would be wiser? Thanks in advance for your help!  <response>: You have 4000? You need to buy a 4000 car. Work on your credit elsewhere. You do not want a 19 car loan. 