I'm trying to purchase a car (actually the car isn't the hard part as I can currently afford a car, including maintenance because I could do it all myself with my experience), but I'm also trying to afford insurance at the same time. I can only pay for one at the same time. So I'm trying to take out a loan so I am able to pay off both of them at a slower rate but also at the amount I'd be able to pay for them both until eventually my insurance rate goes down. No parental involvement at all, not because I don't want them to be involved, it's just that they will not for fear of losing the house due to me driving idiotically and getting sued (For one I don't break 20 on streets and 50 on the highway, but they believe I'm highly influenced). Anyways I can currently only afford around 500 dollars a month. If I lease a decent car (low end japanese car, or volkswagen) , the insurance would cost me an equal amount or more (up to 700 bucks a month). I can only pay for one or the other at one time until I graduate which is when I can work more hours between my two jobs and then I can pay for them both. Now please guys forget about everything else. Assume you know nothing else about my life and try not to talk like you know what's best for me and what I should be doing instead of purchasing a car. I've heard it all from many different people. I simply would like to know if there is any possible way that I could get a bank or private company to loan me money towards a car.