If you want to race you need to pick a class that your budget can afford. If you can't afford the $30-$40K price tag of the race car, your looking at the wrong race car. I can tell you I've wanted to race well before i ever got my drivers lic. My first race as a driver was when I was 30, I was 34 when I was able to afford my first true off road car, and then 37 when I could afford my first race car. I worked 4 jobs for 3 years to pay for my race car, it sucked but was well worth it because I did it. If you go get a loan for a race car you are setting yourself up for failure. This is the "RIGHT NOW" generation, time to take a step back and look at the big picture.......Loans are for houses and automobiles, not race cars. Nothing worse than paying for a crumpled up piece of twisted metal in your garage for the next 4 years because you can't afford to fix it. Why do you think the majority of racers are in there mid 30's and up? The only young racers out there have major backing from mom and dad (absolutely nothing wrong with that, I would have if it was available to me), the rest are blue collar racers. Work hard, save your money, pick a cheaper class and you will get there.