Quote Originally Posted by Dirty Octopus™
No debts at all.

all debts have been erased. if you get what i mean
Well, some place may work with you on a loan, but you're more than likely still going to have a higher interest rate than you want.

My best advice is to get a credit card if you dont have one, and use it to buy everything you need (key word there), and pay it off each month. This will make you more credit worthy. It's one of the easiest things to do to help your credit. Just don't get carried away with the "free money". Also, a credit union is good advice too.

If you're not in a rush to get the car, take time to build your credit. In the end it will save you money from not having to pay the exorbitant interest rate you may get stuck with if you bought today.