<prompt> Human: What are my chances at a decent APR or getting approval at all? I have absolutely no credit unfortunately, and my co-signer has great credit. Im trying to get about a 28k loan with 3k down on a 2013 used car with under 10k miles. Im really set on getting this car so Im not trying to get something older. Im just wondering if anyone else has had a similar situation and what amount theyve gotten. Id like to get a rough estimate before I drive an hr away to get shut down. Thanks for any help or advice.  <response>: 100 horrible idea. 