[Xanthos]

I'm not an expert, but optimistically I'd say you're looking at 10-12% interest, especially in today's market - that is, if you can even get credit. GMAC won't finance to anybody with a score below 700, and "No Credit" usually turns into "600" once you start using credit.

You'll (most likely) be able to get financing from a credit union or similar - but the rate may not be what you want.

My suggestion? Get a student credit card. Put 50 bucks on it a month and pay it off right away. This will get you a credit score at the very least, which will be one more step in the right direction for improving your rate.

From my understanding, term length is based more on the amount financed than you're credit score (with dealer financing the exception, where long terms are commonplace) - but you should be able to get 72 months with no problem. You're looking at probably about 450 a month minimum.

But yeah - the main thing would be to get that credit card and start using it to build your credit history.
- Xanthos

P.S. - As I said before, I'm no expert, and I'm sure many on this board can give better advice than I. That, and all of the above is based on my own experiences and may be totally irrelevant to the common trends, or to your own personal situation.