stuff the car! you could get a home loan with that! but yes you'd definately be approved for 23k. Providing you have a full time job and your over 18. Biggest mistake I did was take out a 20k car loan when I was 18, I've now missed out on the chance to travel, change jobs and get a home loan. Think carefully about what you really want in life before doing so. Its a big hinderance that won't go away very easily.
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