Some people, generally young people, have NO credit and have no idea how to get a car loan when they need a car.

The solution to the problem is to plan ahead. Save your money, put it in a bank account. Plan on buying a car for about $5,000. if you have saved $2500. Plan on buying a car for no more than $10,000. when you have saved $5000.

Of course, you must have a job, and you must have pay stubs for the job. The lender will likely want the pay stubs as proof that you are working. They may also want to see that you have saved the money in a bank account, and not under your mattress, or in your cookie jar.

Once you have paid your payments on time for about 12 months, you will have credit.