<prompt> Human: Small bit of background for clarity. So up until around 22 I never had more than 200 to my name. I have never been in debt, taken out any type of loan, or even owned a credit card before. When I joined the military in 2014 I simply put roughly 90 of the money I earned into my savings account. I currently have 22K USD saved up. I know I messed up really bad by never establishing credit but I never knew much about finances in general except that I am terrified of debt.Anyway Im looking to buy a brand new Vehicle and its around 26k in total. I got in contact with the dealership and they said since I have no credit the best they can do is 9 APR. I do not have anyone to cosign. Is there anyway to navigate this deal without getting dragged through the mud on these interests rates? Im planning on putting as much as 15k as a down payment and paying the loan off in 24 months. My income is roughly 1800 a month but I rank up in May of this year which will boost my salary a bit.Last issue is the timing. I recently transfered bases and I scrapped the POS I was using at my previous duty station, leaving me with no transportation. I really wanted to invest into a vehicle that I dont have to fear breaking down on me every time I drive.  <response>: Buy a 15,000 dollar car with cash. Problem solved. No credit is waaayyy better than bad credit!! Im 32 and wish I had no credit. 