<prompt> Human: Hi all! I have no credit and have never financed a car before and Im looking to get an auto loan for a used dream car private sale that costs 40K. I currently make 56kyr. I went through my credit union first, but they said because Im a first time buyer, the most they would loan me is 15k without a cosigner. I then got my dad to cosign the loan with me, but he already has 3 auto loans and therefore the CU would only loan me 20k. He was really the only person I felt comfortable asking to cosign. I really want to jump on this opportunity and get this car, but the system is making it very difficult. Are there any recommendations you guys have that would help me out? Thanks.  <response>: Are there any recommendations you guys have that would help me out? Dont spend 40k on a car when your income is 56k. That would be my recommendation. Its clearly out of your price range. 