remember, the older the car, the less years you can finance it for as well. Thats why your female friend could finance that brand new Tc. Often times its easier to finance a new vehicle just due to the fact you can spread it out longer. But you will pay more in interest, you will likely get upside down in the car (owe more than its worth) and end up regretting it two - three years from now.

Best advice, financially - get a cosigner if you can, and buy something cheap and old to establish history