And if you do go that route, give at least 6 months for your credit score to recover from the hard inquires you will take when the banks look at your credit history and score. After 7 months on my altima, my score already recovered and I'm already eyeing the 2013 Z's.

I work hard for my money, so do you. I decided back then to wait a year so my credit score will be higher and have a longer payment history. That will result in lower % rate when its time. Save a few thousand.

hmm thank you i will take everyones advice into consideration.
if i post at the end of the month i got a new car.
FLAME SUIT ON!

I would never cosign for a relative. Not worth it. If they wreck they can sue you. Screw that!

^This

A smart dealer wouldn't even lend to you with no credit history. You'll have a lot of trouble finding someone to loan you $20k+ without credit history. And if they do loan you the money, it's going to cost an arm and a leg. Higher risk = Higher return (or in this case higher interest rate/return on capital lent).

Non-dealer financing means getting money lent from another financial lending institution such as a bank, credit union, or from a home equity line of credit which I'm assuming you don't have. Or dealers have financing arms, Nissan's is NMAC.

the more and more responses the more it get mind boggling. Lol Thanks so much guys
im gonna go the not make a retard move route and try my best
thanks!