If you have family members that are or were in the military USAA is a great bank that will loan to first time buyers.

Good luck with the credit crunch, your local banker or credit union if you have one to join, need no derogatory credit and a good work history, A co-signer is the best way, just be careful, Toyota motor credit but you may find a few manufactures offering a first time buyer program on a new car for collage grads

First, NEVER buy a car without seeing and driving it first. Do note that most private sellers also work and they generally deal on weekends or evenings.

With no credit history, right now with the credit crunch, no one will give you a loan.

Capitalone.com is the best by far.