<prompt> Human: My apologies for the long story. I had what I would call poor credit last year. Someone stole my identity and racked up a huge Sprint bill in 2013. I never knew because I didnt care about real life things until recently. Using Credit Karma I successfully disputed the Sprint bill and it has now fallen off my credit. I also opened a secured credit card through Capital One around 8 months ago and have used no more than 8 of it per month whilst keeping my balance paid in full. These things combined shot my score up from mid 500s to 700 in 8 months. all of this thanks to PF!My total costs of rentbills per month is less than 600. I have roughly 2k saved currently. my store was being remodeled so i was effectively laid off for the last 2 months, killing my savings. I make 350 a week delivering pizzas and I also have side income trickling in from weekend music gigs. I am also heavily considering Uber.Forward to today. My current car is nearing its final rest and my delivery job resumes this weekend. I have been researching replacements and found a 2016 Chevy Sonic LTZ with 40,000 miles for 10k. 800 sales tax and 140 a month insurance. The car is from Hertz Rental Companys sales department. Im not really here to debate the merits of purchasing a used rental car. I am here more for advice on what direction to take now that I have some more information from my first time trying to get ANYTHING financed in my life. Hertz financing quoted me 500 down, 230mo 72mo 19. Of course they told me that their however-many lenders all denied me except one. They said the high interest rate was because I only have one account open on my credit file so that was the lowest rate they could get. They told me in 6-8 months Id be able to refinance somewhere else after establishing better credit history.I understand having a thin file, but is 19 really the only option for me at this point? I was hoping for something more like 6-10 for 60 months to start. I knew that Id have to eat it a bit on my first auto loan but I didnt think itd be to the tune of some 7k more than the amount loaned. Is it because Im a credit noob or because lolhertz? Should I take what I can now and try to refinance down the road, or should I look another car at a real dealership? My father seems to think I should be getting more like 4 interest and says I should just buy a new car if Im doing 72 months.I know some will say just repair my car or buy a cheap used one. I would prefer to get something newer for warranties, Uber driving, and reliability over the coming years. I am also looking to build my credit file so I can get financed on some property in a few years if all goes well. My next step is getting an unsecured card. Any insight would be greatly appreciated. Thanks for reading this far! TLDR 34 yo pizza man w 700 credit score 1 accountthin file Returning to work delivery in 5 days and current car is dying Wants a 10k loan on a 2016 car w40k miles Hertz says 500 down230mo72mo19 amifuckt?  <response>: A few things to point out here. First, Im a dealer so we see this at the stores a lot.You have, no offense, what we call a, ahem, bullshit 700. No offense, its just the term we have for them. You have the score, technically, but your score is based on one credit card that you have had open less than a year and a secured one at that.So from a banks perspective you have no credit history to speak of, and despite the score, you are going to be very difficult to finance.And do not treat Credit Karma scores as gospel, dealers use Auto based FICOs Which are also what lenders use. The only lenders that I can think of who would approve you right now would be very high risk lenders like Santander Bank and yes, youd be looking at a rate in the double digits.And then the other issue is you barely meet basic income requirements and, let me guess, that 350 a week is largely tips and you cant prove all the income with paystubs, can you?I can tell you that none of the banks my stores use such as Chase, Bank of America, Citizens, TD, etc would do this loan. If you cant get a co-signer.Hate to sound like an ass here but this is realistically your situation. You need to keep working on your credit, try and keep the car you have running and save up to buy something for cash.Oh, and as a GM dealer, avoid Sonics and Aveos, too many mechanical issues with them. 