without collateral a signature loan is your best bet. Since you have your dad co-signing you have a decent chance of getting the loan (provided reasonable credit scores) Credit cards are a possibility but you will want to part out quick and get rid of the credit card debt, but carrying it for 2 months on the cards shouldn't kill you too badly, just watch the limit. If you go overlimit it will crush you with fees and then interest on fees (dirty credit card people) plus they may raise your rate.