<prompt> Human: I dont mean bad credit, I mean NO credit. Like I havent any credit history.Would the possibly ridiculous APR make it not worth it?Looking at used Honda FitsCR-Vs is that makes a difference.  <response>: How long did it take you to get 10k? Youre only 5k away from paying the whole thing cash, just save up a little longer. Or find a 10k car. If you want to build credit get a secured credit card and use that responsibly. 