<prompt> Human: Posting this on behalf of a friend who is too lazy to make their own account.I have a 614 credit score, am 23 years old, make 32,000 a year. I have a co-signer my stepfather who is 38 years old, makes 35,000 a year, and has a credit score of about 680.My total debt is about 1,000 in credit card, 10,200 in my current auto loan which I will be selling and paying off in cash, and 18,000 in student loans.My credit sucks balls, I was unemployed for 6 months with some credit card debt. I eventually had some jobs worked 3 at one point but had a hard time making ends meet let alone pay off debt. Ive also had two auto loans in my life and have never missed or been late on a payment once. What are my chances of getting an auto loan? Ive applied for a couple online Bank of America, Lending Tree and gotten nothing. A local dealership says then can get me financed in A or B tier with a co-signer on a lease, but Ive been outright denied on a used car loan.Im assuming this is because Ive already for a 10k car loan on me, but waiting until after I pay that off is too late, I need a car to get to work. So, can I get a used car loan? If so, what are my best options? Assistant: As someone who bought a overly expensive nice BMW when I was 19 at the same income Id say if you are going to get a new car get a cheap one if you want something else. You can get a used BMW for around 5k like someone above mentioned and it will be very fun to drive. The newness of a relatively pricey car will fade fast and youll be stuck with payments.Human: Hed rather keep his current 2009 Mazda6 then buy a clunker, no matter the badge on it. What you guys propose isnt an upgrade. Hes proposing simply spending an extra 40-50 more a month to have a more enjoyable car. He can easily afford it, and 50 a month more on a hobby is hardly going to cripple his ability to pay down his debt. An old BMW wont be much more fun to drive and will need major parts replaced during ownership of the car, not to mention the high expense of maintenance on german luxury cars no matter the age.Once again, the question is not should I but can I. His credit is pretty poor and were not sure if having a co-signer who doesnt have great credit either can get him a loan.  <response>: No. He cant. He cant because he Shouldnt. In the world of loans, you CAN do almost anything. You can get payday loans and pay 500 interest on it. Fact is, your buddy has ridiculous debt and he thinks that buying a new car news fact: a 2009 mazda 6 is baller already is going to be a good choice, he has VERY serious money management issues, thus he CANNOT buy the car 