Ok, some background info. I'm 18 turing 19 in August, and I don't have any credit yet. I live in British Columbia so I can't technecially get any until I'm 19 anyways. But I desperately need a car (both my jobs have been working early/late and the buses don't always run early enough/late enough for me - i live in a small town) and therefore I need a loan to get one...
I am willing to wait until I'm 19 to get a loan (I realize if I wanted to do it before then, I would need a co-signer, which I don't have), but I've been told that even then it will be really hard for me to get a loan (even though it won't be for very much - something around the $5000 range). So here is my question....any advice for how I can get a car/loan without the advantage of having credit/a co-signer? I don't really want to have to wait to build up my credit either, I would love to have a car asap if I can.....
I work two jobs, both are very reliable and I'm making a decent amount of money. Even after paying rent, cell phone bill, etc, I still have about $300-$400 left over each month, so i could more than afford to pay off a loan, but it just doesn't seem like I'm going to be given one!!!
Help! Any advice would be greatly appreciated!!!
