Quote Originally Posted by Mooney1184
mediocrite.
What?


Anyways. You need to start to build your credit. I know people hate it but you have to have it. You don't have to have tons of debt or be in good credit standing. Get a credit card with a low limit and start to use it but always keep the balance at about 1/3 of the limit. Maybe join a credit union.

But don't get sucked into loans like the one you are talking about. They are nothing but a waste of money. Pay cash for a car and then save up the money you would have spent each month on a car payment.