<prompt> Human: 21 yr. old college student, not much credit history.Have about 3000, looking to buy a used car for around 6000. Used car loans dont seem to be an option, as the loan is too small to meet minimum requirements, and the cars im looking at are generally older than the minimum requirements as well.Ive considered applying for a credit card, but I doubt Id get a credit limit high enough to fit my needs.Other than that, I dont know much about loans and such, so im just looking for any other ideas reddit might have for me. Thanks in advance.  <response>: So, if 5000 is the minimum loan amount for a used car -- put 1000 down. Then when you get the loan, pop the extra 2000 on it. Make sure your loan doesnt have any prepayment penalties.A credit union may not have these silly 5000 requirements... so check there. 