If you go to a bank. They will pull your credit. Depending on credits score depends on the interests rate. And that isn't a given that you are approved just yet. They also look at your income from Pay stubs usually about 3 months. They will also look at your W2's, They then start working the numbers. The banks sweet spot for lending is around 30% debt to income if I recall correctly. Most definitely you will need a co-signer. (Mom & Dad etc)