Why not get your credit history (free at) and credit score (not free at) so that you can see what lenders will see when you apply for a loan.

I think you’re in pretty good shape. Though most banks’ first time buyer programs require at least one year on the job, putting 50% down should bend a rule or two. That’s what you want to get into, first time buyer programs have good rates. Go talk to your bank, or credit union before you go shopping.

You probably be able to buy the car if you put the $5K down. You wont be able to buy a car w/o any down payment. Since this probably is your first time buying a car. Paying rent and utilities dont really mean much to your credit score unless you are late on them. You still will be stuck with a high APR unless you go through a bank. Other than that make sure you are buying a car thats under $20K.

Gatting a car loan is not the problem. You might get 20% or higher.
If your credit score is poor, as you might get a 4% to 7% loan if you have a good credit score.

You should have no problem getting this loan and should be offered a good interest rate. If not, then keep shopping elsewhere because it sounds like you’re doing everything right.

I don’t think that you will have any problems with the down payment. The dealers are offering a lot of zero down or zero % interest loans now. They may be also offering discounts instead of the low rate loans. Figure out which one would best benefit you. The get the loan from your bank, and take the discount if it is cheaper in the total cost and you can afford it. good luck.