<prompt> Human: Its kind of hard to apply for credit cards because most of them require at least some credit. Same goes with financing and leasing. I am in a position where I could afford to make a payment of up to 300 a month and put up to 5000 down but my lack of credit is really killing me.  <response>: Dont finance a car, you can pay cash. Buy a car that costs no more than 4500 and DO NOT FINANCE IT. You will not have money for insurance or gas if you only have 300 a month to spend on a car.DO NOT FINANCE A CAR.As far as starting to build credit goes, a secured credit car is what you are looking for. They will take a small amount of money from you as a deposit meaning you will get the money back, and that amount will be your credit limit. After 6-12 months they will give you a real credit card. 