Have to ask Grandma for a loan!!?

You can't make money if you don't have a car. So, something has to be done. If you do ask her to co-sign, you'll have to ure her that you won't default on your loan. I think a co-sign would be better for her because she wouldn't need to come up with the cash, unless she's just rolling in money and can afford to give you the full amount. You should go into the situation prepared, as you would if you were asking a bank for a loan. Show her your pay stubs, the car you're scouting, why you think it's better. Maybe bring your car to a mechanic for an estimate to prove that it's not worth fixing. And most of all, understand if she doesn't want to do it.