<prompt> Human: Background: Im 23 years old, been at the same job for almost 2 years making about 40k a year. I have no credit history. I just started a credit-builder loan, and just started with a secured card but these items are not going to appear on my credit report for 4-6 months. I have an old honda civic that has been incredibly reliable but I am no longer able to drive it. Im tired of buying cheap cars that end up immediately having costly problems. Im looking to buy probably a 08-10 Civic or an Acura. I have about 1000 to put down, and do not have anyone to cosign. Is there any chance of me getting a loan? Ive seen plenty of places that advertise financing for people with no credit but it always seems a little too good to be true. Thank you for reading this and any advice would be greatly appreciated!UPDATE: Thank you everyone who took the time to answer, I truly appreciate all the advice! :  <response>: Avoid places like JD Byrider for car loans. Theyre predators that thrive on taking people like you no credit and or history and bending you over for every penny youve got. You can try your luck with a dealer or local bank and get a high-interest rate, buy another beater, or find someone to cosign. Id honestly just get a cheaper vehicle probably 5000 and go from there.A piece of advice Ill give you that I wish I knew when I was younger is to check with your local credit union. Most of them have an automatic acceptance so to speak if your credit score is over x, and will usually beat the dealer financing rates every time. CUs tend to be pretty lax and you might get really lucky. 