BrianLara ,if you can show your income >1500 a month,you can get a Auto loan.You have to produce check of that amount.There are number of credit card companies and credit union are waiting for you to apply it.Interest rate depends on your credit worthyness: I am just trying to predict interest rate here based on score: Credit Score >= 750 Interest rate 2.99 to 4.75 % Credit Score 700-750 Interest rate 4.75 % to 5.5 % Credit Score 650-700 Interest rate 5.5 % to 7.00 % Credit Score 600-650 Interest rate 7.00 % to 9.00% Credit Score below 600 9.00% to 12 % Note : Above Interest rate is just tentative but will be around that.Before taking any decision,please check your score yourself.More inquiries hurt your credit score.