Auto loans for people with limited or no credit history are still available at www.Carzloan.com, though because of the lack of information to base your credit habits on you might receive an interest rate that is a bit higher than you’d like. This is pretty standard no matter where you choose to go for a loan, but don’t worry – you have an option to finance or refinance your car loan at a lower rate after six consecutive months of solid payments. After you’ve built up a good payment history you will be able to qualify for a loan at a much lower APR and you can refinance at that time.