<prompt> Human: Just graduating from combat medic school, looking to get a vehicle for my first duty station. Im interested in getting a vehicle for about 15000 with about 3000 down payment. I make about 1300 a month after taxes and have about 4000 saved up, and a 9000 dollar bonus on the way, however I have no credit. Ive been looking into getting a loan with USAA at around 10 interest, but I want to consider better options. Id be able to come up with a cosigner but would prefer not too for personal reasons. What are my options to get a loan with no credit.  <response>: You cant afford a 15k car. When I was active duty I saw young enlisted people always, always buying cars they couldnt afford. You can make the payments, but that doesnt mean you can afford it. 1300month? so youre an E-1 or E-2. So just off a whim your payment is going to be 300-350 and then insurance is 150 and then 100gas. So thats about 600 a month to get to and from work. Almost 50 of your monthly check into a depreciating asset that you really dont need. Insane. Its not advisable for people to spend more than 35-40 of their monthly check on a mortgage and you want to spend more than that on a car.If I havent made my point clear yet, you shouldnt buy this car. 