The vehicle before my truck I put 10k down with by debit card, the funny thing is I went out to dinner and got declined since I obviously reached my max daily limit.

So I gather you're young or Italian since you're living with your parents. Better to get them to cosign on a loan, even if you get a higher interest rate it wont jack up your payments by much but you'll be building your credit so next time you won't have to have your parents help you next time.