<prompt> Human: My birthday is coming up, turning 17,in a few days and Im going to ask my mom if I can take up a finance on a Mustang gt 2015 around 20 before you bash me with the college bla bla not being ignorant Im already aware how are my odds of being able to finance one for 60 months with 3k down payment and 2k trade in , i have a hookup at the dealership and my mom works insurance so my rates should be a little lower, the car and insurance would be under my parents name and they have a credit score of around 650 and I make around 1600 net income a month everyone tells me its a bad decision but is working and spend half my money on a car and its insurance worse then not working and not having a car at all  <response>: If your parents buy it then the chances are pretty high that theyll be approved barring any crazy debt issues. Whether or not you can afford it depends on your income.Its still a terrible, horrible, no good, very bad idea. 