Try a personal loan. I got one when I was 17 just to start my credit. I needed no collateral. Even if you do need collateral, I'm sure you can find something. For 1500 it was 85 a month. Yes I had it for 18 months, but if you can pay it off in 6 months, go for it. I went to my bank and sat down with a loan officer, asked about personal loan, 20 minutes later I was done with the loan complete.