<prompt> Human: Hey guys,In a bit of a pickle here! I am needing to get a new see: used car because mine is almost to the point where repairs and upkeep are going to cost more than the car is worth. I have a great credit history, never missed any payments, credit card is hovering around 50 usage, have a few loan accounts ive completed out in the past, etc. etc.Anyways, the problem I am coming to is neither of my two banks Navy Federal and USAA will grant me a car loan without a cosigner because as far as they are concerned I have basically no income. I am a student however who is currently on the GI bill. I receive roughly 1600 a month in military benefits and 350 a month in drill pay. They wont look at my military benefits since they arent taxed. I have 2 semesters of school left and I have a job lined up upon graduation so I am not worried about that aspect, I just need to be able to pick up a used car! I am only looking to borrow 10,000 or less as a 60 month payment at 4 would put me at roughly 10 of my current salary. Even less so for my salary post graduation.Where the heck does one turn to get a car loan in a situation like this? Should I just try to finance through a dealer? I have always heardtried to avoid that route because sketchiness, but perhaps you guys know more than I do.Thank you all so much in advance for your advice.Assistant: Are you carrying a balance on your credit cards? Human: By carrying a balance do you mean from billing cycle to cycle? If that is what you mean, then yes - I generally keep it around 30-50 intentionally as I have always heard that looks good as far as credit usage goes for your credit score. I am capable of paying it off easy however if you can provide a convincing argumentlink me to somewhere that says otherwise!  <response>: Oh boy. You opened a can of worms on this subreddit with that statement! :- Not paying off your full balance if you can afford to is one of the worst financial mistakes you can make.Always pay off your CC balance in full, after you receive the statement. The CC will report your balance as it was at the end of the cycle, so you will still show a usage.Also, keep it well below 30. You are hurting your credit by having it above 30. Read up on the CC wiki. This is gold: For more, check out the entire FAQ: 