As previously mentioned, credit unions offer better rates. If they are able to finance your purchase great. If not, because of lack of credit than you can either:
1)Have someone willing to be a joint applicant that has the credit & income. If that is not an option, then
2)start establishing credit yourself and let time take its course. One way to establish credit is to apply for a secured loan. It could be an installment loan or revolving loan. That entails using your own money as collateral.
For example, you apply for a $1k secured visa credit card. They hold your $1k as collateral and give you a $1k or $900 (less admin fees) credit line to work with. You would use it like any other credit card and make your monthly payments. You could either pay more than the minimum amount due or the entire balance. The main thing is to keep it active for 1 to 3yrs. This will help you build credit....