If your lender just like a bank, views which you do not have credit with no cosigner, their very first instinct is to turn you down. Hammering out of the terms on that loan is really a settlement; you have things working against like no credit or cosigner, and things helping you, like constant work and earnings.
As opposed to turning you straight straight down, they may offer you that loan with high rates of interest. This is like stepping into quicksand. Every re payment increases at a rate that is rapid your car finance is more than exactly just what the car was well worth.