I am a first-time buyer, are there any options for me?
Yes! There are options for first-time car buyers.
There are lenders who have options for first-time buyers. Typically lenders like to see that the applicant has been on their current job for at least 1 year. A down payment is also good, but this also applies to everyone. The more you have available for a down looks good for the lender. You should also make sure you have enough income to afford a car payment. If you are looking at a $15,000 vehicle for example, you'd probably want to gross (before taxes) at least $1800 a month.
Having no credit is not a bad thing, you just haven't established credit yet. However, not all credit comes from loans. If you forgot to pay your phone bill or electric bill, this could also affect your credit. Worst case, lenders always welcome co-signers. When you apply with a co-signer, the lenders goes off your co-signers credit, but you make the payments and thus build up your credit history.
We work with first-time buyers all the time. However, we really can't tell just what we can do until we get the credit application. If we have a vehicle you are really interested and are ready to try, simply fill out our credit application and we'll get back to you and go over all the details. If you think you might not make enough, etc, it never hurts to see if you have a co-signer available ahead of time to speed the process up.