You are barely over 20, Don't have a good paying job, have little to no credit, you don't have any $$ to put down and you can't get anyone to cosign for you. What do you expect the bank to say. You are a risk, plain and simple. Thats a fact of life. Now you either can wait build up your credit, save some money and then get the car you want. Or you can buy a used car and get ass-jacked on the interest rates. I've been down this road. Your parents are giving you 2 grand, which is about 2,000 more than my parents gave me for my car. Get an old civic (5 gen SI hatch) and modify it in ways that they will not be able to complain about. (ie get a tip on the factory muffler and then get one of those exhaust bypass valves so you can make noise when you want. Get a coilover kit and slowly lower you car over the next 6 months.