ur hurtin because NO credit is just about as bad as bad credit. No one really wants to finance a car loan for you ( I suspect ) and I imagine you are looking at financing through a used car lot. If that is the case.....you should try a dealership, see what you can find used through a local major dealer....some will even find the used car you are looking for. They also have many resources for getting a car loan...but in the long run they dont have the flexibility that smaller used car lots have...but these smaller lots can afford the risk by the HIGH interest rates they charge....that is what your major problem is, the interest rate is probably high because you are considered a high credit risk...even through a major dealer it will be high...but not near as high. The worse part about it is that with no credit....you might not get a loan through a dealer and unless you have a co-signer...your almost stuck going to the small used lot. My suggestion....get something cheaper for now.....get a credit card or small signature loan....something you can establish a credit history with. It will take AT LEAST a year to build even a base credit score but it can be done and you would have a much better chance at a better interest rate and much lower car payments. Use the card for something like gas and pay it on time. You DO NOT want to have a low or $0 balance on the card....oddly enough, try to keep about 1/3 to 1/2 of the limit on the card. In other words, if you get a VISA with a $500 limit...charge about $200 on it and then just pay on it....for some reason it looks better to creditors to see you owe some money on a cc or loan but not too little and not maxed out. anyway....GL