I am in a bind..

[Goat Blower]

The other problem here is that a bank won't give you a loan over blue book value, and pretty much all turbo DSM's sell for over book. And for buying someone's modded car for way over book, you need a home equity loan, a pile of cash laying around, or a personal loan from a friend. I'd get a cheap car you can afford if your parents won't co-sign and do as others suggested here about building up credit. A good credit score will save you many thousands of dollars over the years.

[LightningGSX]

Casino. Make it or break it

[TheBlizzard]

Casino. Make it or break it
Ha ha ha, your funny Eric. I am at Treasure Island working right now, and I know one thing. This place isn't here because people win all the time. Better luck next time.

CRAIG

[CDeutsch]

This probably won't help you, but for others looking for an auot loan over blue book (I beleive the minimum loan is like $7500 which probably rules out most DSMs.), try CapitalOne.
http://www.capitalone.com/autoloans/

Four years ago when they were "PeopleFirst" I was approved for like $17,000 for a '94 Stealth (they really didn't care what I bought). My bank would only do like $9,000. And they beat the banks interest rate too!

I'm not sure if things have changed but it's worth a shot.

[Onefast99gsx]

I work at a bank. What's your debt to income ratio? Add up all your monthly bills and then add up your income. How much are you willing to put down on the car? Walking into a bank and asking for a loan for the asking price of the car won't always work. How long have you had your job? How long have you lived at your current residents? Do you own/rent, etc? What do you have for security that the bank could use for collateral? Try another bank if you have to but the above will most likely apply there as well.