[LTb1ow]

Better find some one to cosign for you if you have no credit card history or history of paying bills off on a timely manner.

If you have a bank account (I assume you do) go to that bank and sit down with a loan adviser, see what percentage rate they will give you, and if they will approve you. You can do this online in most cases, just be aware that applying for loans does ding your credit for some odd reason.

Then go sit down with a dealer (if you are buying from one?) and see what they can do for you. The dealer will more than likely get you some sort of horrid loan percentage wise, so its best to get your bank to get you a nice one and walk into dealer prepared instead of #yolo.

I would try to get as much cash/funds as you can to throw down on the truck, if you can have the bank approve you for a loan and you have money to throw down, balls in your court versus the dealer. Again, assuming its a dealer, vs private.