<prompt> Human: Ive explored my options a few times before. I make just under 28kyear and am finding that my bicycle just isnt enough to get me around with my current schedule. I have talked to my bank Chase about getting a personal loan but was told my score was too low this was when I found out exactly what it was. Ive seen the rates that some of the less reputable places like DriveTime and my local shop offer, usually around 19!! when they peep my score, and I just dont think I can stomach that--especially with the upfront costs a new vehicle is likely to bring. What other options are there to getting a loan andor getting a car? I could just simply save cash but Id also like to raise my score a little for the future Im 24 now.Thanks for any advice!  <response>: 19 interest is not worth it just to raise your score. Get a credit card to raise your credit rating and save enough to buy a car for cash off of craigslist. That is probably the best thing to do. 