yeah not looking good i work for progressive..and 18 with an evo. means your gonna have to work in a back alley to make payments. i also sold cars for 4 yrs. so the 10k will get a bank to buy you, but without a cobuyer its a nice high interest bank at id say 21%. or maybe cap1 with 16% that will make your 20k car come out to about 35k in 5 years..or if you stretch it out to 6 years even worse. dont do it.. rethink the total package. get insurance quotes first. also you can go to Capital One: Credit Cards, Home & Auto Loans, Banking, Small Business Credit Card do an online loan quote. and use that as backup. once youve got both numbers then make a decision.