car loans

[ksinao]

i wondering about how to go about getting a car loan. there are a couple really nice cars that i am looking to buy. most of them are civic hatch's, and eclipses and whatnot. the problem i am facing is that most of these cars are way over kelly blue book value, due to the mods and shit. and banks look at that. does anyone know exactly how much a bank will loan you? will they only go to the blue book value and no more than that? i am an (almost) 18 year old, with no credit history, so i know it is going to be very hard. although, my mother who has perfect credit history is going to co-sign for me. what would the most they loan me be? how would i go about getting a car over the kbb value?