Advice on obtaining my Z? Please help!! I need vision and comfort.

Khemosabi

I applied for my first cart loan of 13k on my 2006 Miata when I was 21, I had good credit but the bank would not approve me for a loan simply because I didn't have enough credit history. (or maybe bc I'm a girl... jerks)
Thankfully, my mom agreed to co-sign for me and we got the loan.
I'm 23 now and two weeks ago, I came across a 2010 370Z and having 2 solid years of credit history, the bank approved me by myself for a loan of $20k after my trade-in and additional down payments.
My payments are a tad bit up there ($342 @5.9%apr) but I plan on paying her off early in January with the luck of two insurance settlements and my tax returns.
I don't suggest getting a loan for over 15k... Or even 12k at that... as your first, so save that money!!!
Also, keep insurance in mind! My miata was full coverage at approx. $1300/yr, the Z is $2k/yr. I'm really having to budget to keep this up!!

Maybe there are better paths that I could have gone to get my Z but I hope my experience helps you a little bit or at least gives you a bit of insight on what to expect!


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-Karen