It does look like you have great credit, just no large purchases.
Waht type of car is this. There are not that many cars made in the last 4 years that are rare or valuable enough to go out of state to find one (unless you are looking for a specific options/color combo)
Here is the thing that would concern me and truly no offense meant. I just want to point out something.
You have great credit and a good solid income which is awesome for someone who is 23. You are way ahead of where I was at that point for sure. My only concern is taking on a 25K loan on a used car (which will be higher interest rate for what is basically a 4 year old car) for someone else.
Say in a year you need to buy yourself a new car...
Then 2 more years down the road you want to get a house...
Now even at your solid income (depending upon the other credit factors and price of stuff) you are running into DTI issues due to the other accounts.
I love my mom and would do about anything for her, but in my mind, if she could not qualify on her own for a car loan, I would not buy it for her (even if I was going to make the payments) for this exact reason. It can mess you up down the road credit wise by tying up credit resources. Personally I would have her get the loan and if I felt like paying it, I would take over the paymetns on it for her as my gift to her...) $500 per month is alot to tie yourself into if you have any plans for a mortgage in the next 4-5 years (you may not though). I also want to state that I live in So Cal where cost of living is high so 85K income doesn't mean as much as alot of places...But out here, you would be hard pressed to qualify for 2 car payments and a house on 85K. Even 1 car payment and any other bills would make it tight.
Anyways, just make sure that the car you are looking at is really worht that much hassle, and that this is a deal that you are comfortbale with for the next 4-5 years (however long you finance it)
