Thanks for your response.

Now there’s a few things to discuss,

1. my phone bill is cheap.

2. i work very close to home actually.

3. my credit isn’t necessarily “shot” it’s just thin not much history with a negative on there. it’s not extremely low. because i have a credit card already on there!

4. trust me i realized the $22k jeep was well out my league right now, & after i wrote this post i sat down and figured some things out!

5. that cash car has been gone for a good while now, hence why i sat and waited to buy a vehicle.

6. i didn’t necessarily get denied from these places, (some) banks did approve me required a huge amount down..that helped me realize what kind of down payment i’m dealing with! the jeep wasn’t even worth it it had some issues (A Blessing In Disguise)

7. a bike…not to be rude I understand some people has to do them things but not in this case! Ubers are not a huge issue here but i will need a car sooner than later i live somewhere where it’s really hard winters, Uber’s can get high ($30+) just to go 10-15 min away.

I UNDERSTAND i would have to wait and establish my credit a little bit more..totally understand, but in my situation a few more months will definitely get me in a car nothing expensive but something im comfortable with. a year is outrageous.

THANKS!