Any loan gurus out there. I am a 21yr old male living at home rent free. I work for an alarm company for two years. Got good credit but only a 9 month credit history. Make enough money to handle a decent car payment. Got no co-sign. What can I do to be accepted for a $18000(approx) car loan with about a $3500 down payment? I once went for $10000 but got turned down with no co-sign. How much would one have to make.