If you're young and have no credit or if you have made a few credit mistakes, it's worth talking to friends and family to see if someone is willing to co-sign your loan. Lenders are hesitant to finance cars for people they perceive as high-risk, so you may have a hard time getting a loan without a co-signer. Even if you qualify, you're likely to pay high-interest rates that make your car significantly more expensive in the long run.
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