<prompt> Human: Hello redditors,I was wondering if you could give me some advice with getting a car loan. I am a 28 year old woman recently out of grad school. My vehicle, an old conversion van, blew a head gasket last week. Its waaay too much to repair, especially with how old the car is. 1997. So I need a new vehicle. Ive applied for a loan for 20,000 from my credit union which they have denied because I dont have enough verifiable income. I build and design theatre sets and Im what they consider to be an independent contractor who gets most pay through 1099s. That being said I have started working for 15hr for one of the theatres doing box office sales. My credit is 635. I make 18,000 a year highly dependent on how many shows I can book. I know my credit is low, I had poor finances in college, and an abusive relationship that getting out of cost a bundle, and Im trying to get back on track. My work takes me all over the state as these theatres are not close together. I need a large cargo van or pickup because I am responsible for transporting all scenery and materials. My long term partner makes 40,000 a year now and is willing to cosign, but his credit is similarly poor. My question for you, sage redditors, is should I try for a credit union loan with the boyfriend as cosigner? Should I deal directly with a dealership? Should I buy certified used or new? All I really need is a reliable vehicle that is large enough to meet my work requirements. If it breaks down I need to be able to count on a warranty to fix it. I dont want to throw money at another junk older car. Thank you so much in advance!Edit: I should probably mention that because I am an artist in residence for one of these employers I live rent free with all my utilities paid by the company as part of my contract. This leaves me with way more disposable income than my income bracket would imply.  <response>: Why do you think you need a vehicle that costs more than a year of wages?Another inexpensive vehicle, with a monthly budget to maintain it, will end up being much less expensive for you to own. 