Darin, I got my loan through a local credit union. They seem to be a lot better on taking risks on local residents. I went through every bank in my town (about 8), most loan officers didn't even know what a DeLorean was. They kept asking me if it was a GM car. Oh well. My advice is credit union definately. The VP at mine knew what a DeLorean was! (how amazing) and told me he'd give me a loan on it if he could get a ride. BTW - I was 18 at the time and had no credit either. Good luck! -Sean Mulligan vin #10054 (FLUXING) [duplicate quote snipped by moderator]