<prompt> Human: Im 19 years old, in the military with a steady paycheck and Im wanting to buy a new 2018 Toyota Tacoma. the fees are 4 of the final price plus 175 documentation fees. Total price is around 35,000. Im looking to put 2,000 down and pay the taxfees with the rest of the money I have saved. Currently have a paid off car thats worth about 4k-5k and I would sell that after I buy the truck.Ive tried getting a loan through the dealership and through USAA and Ive had no luck. Problem is My dad and I have the same exact name even middle initial and so they are showing up with some of his credit cards, loans, etc and I think thats whats hurting it. My credit score is 710 but I only have 2 lines of credit and they were saying I should usually have 3 which surprised me but anyways...I even had my mom co-sign and even with her monthly of 35k Not a single person credit union picked up my loan offer. Salesman sent it out and told me companies could try and bid on my loan basically and tell me how much they will give me an APR but no luck.Ive never had any bad credit history, I have a secured USAA card that Ive had for about 8 months now and payed it off right away and a military star card. I bank with both USAA and Navy Fed. Im just not sure why I cant get a loan. Also what should I do with my situation?EDIT I only have my car insurance payment, internet, and phone bill right now. Im in military housing so I can 100 make the payments and I make 2200 a month.  <response>: Youre the meme of a young kid in the military that buys the brand new Mustang. Please dont do this. You cant afford it. Youre not putting enough money down. If you have a paid off vehicle, why are you financing another? This truck is an excellent way to make sure you have no money to save for emergencies, retirement, wants, needs, vacations, etc for the next five years. Your car payment is going to be insane, youre going to be underwater on the loan and trapped, and your insurance rate? Yikes. Thats going to be a few hundred dollars per month. I was you once! Im telling you this is a huge mistake, and youll be back in 6-18 months after signing asking how to undo what your impulses locked you into. And we wont be able to help.Edit: ON 2200 A MONTH? NO NO NO. You CANNOT afford this. Payments and insurance will be like 40 of your take home pay. 