Agent claims it was cheaper to do it that way, but yes, both Bonne'* could be used in business, mine most of the time, but if MrsCrzy'* is acting up intermittently, it helps me to take it on a day or 2 of work and see where it hurts.

I would really like to advise the OP to make a car payment to his savings account for 6 months, consistently, to the bank he wants to get a loan from, to show more ability and willingness?

Or just stretch it out to 18 months or so and pay cash

Get a parent to cosign if you can...