Having a driver’s licence is not a necessary requirement to apply for a car loan. Under consumer credit laws, a person must be over the age of 18 years to be granted a car loan or any other type of loan. If you are over the age of 18 when you attain your driving licence then yes, you can apply for a loan. Individual states have different ages for attaining a driver’s licence. If you get your licence before you turn 18, you cannot apply for a motor loan.