<prompt> Human: Hey guys! I want to take out a loan for a car in December, and Id like to know what the likelihood is that Ill receive said loan, and what I can do to improve my chances.Im looking to spend about 20k to 22k on this car. I am prepared to lay down about 10k to 12k as a down payment, leaving me with roughly 10k remaining to take out for the loan. My credit history is pretty short, consisting only of a secured credit card through my bank. Ive had it for about 7 or 8 months now, and Ive paid the balance off in full every month. Ive been self-employed for a few years, but I recently got a job with direct deposit. I plan on getting another job in the coming weeks to increase my income, if it will help. I realize that I have a lot working against me. I have almost no credit and I dont make much money. Im hoping that the large down payment and steady jobs will work in my favor. Is there anything else I can do to improve my chances, or am I just being delusional about this car loan? Thanks guys!  <response>: I have almost no credit and I dont make much money.Then spending over 20k on a car is a horrible idea. Im sorry to be blunt, but that isnt really opinion, just reality. 