Auto loans

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Thought i would pop in and ask, im buying a car this month its 2024 used for just under 29k otd. I have 6k cash down. My credit is thin at barely over 2 years and my score is around 560-580 across the board. I got approved at the dealership for 75months 17.7% apr (crazy horrible i know) however i had cosigned a car loan for my sister that went to hell but it was paid off after a disaster totaled it and hopefully will be removed from my credit by the end of this month. I want to apply with navy fed to hope for a better rate since i am dead set on this car. Plus i like the fact that they have 500 one pay gap whereas my dealership is trying to charge me 1200.

My thought process is if i dont get approved by navy fed i will take the current offer and refinance as soon as i am able to.

As for my income i get a monthly stipend for being a full time student (1500/m) and i bake bread for markets twice a month (3-600/m). Plus I am just now starting a weekend server job.

I know there are a lot of trolls on here so please if your just gonna comment that im an idiot just save it for yourself 🫠 no need to bash.

Also, i was approved by said lender without a cosigner likely due to the 20% down. It is possible to put more down but i dont really wanna stray too far from 20%