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Stop by today for a test drive View Our Inventory, Call us today 318-865-1741If you're hoping to get an auto loan with no credit, here are a few steps to take. Consistently making on-time payments on a car loan will help increase your credit history over time. This will in turn, assure lenders you know how to manage credit and get you on the right financial path. Step 1: Put at least 10% down. At least one year at the same employer for those with no credit rating. At least two years of employment history for those with some kind of credit history. Minimum monthly gross income of $1500.00. Money down may be required, but is not necessary in every case. No repossession within the last 12 months unless included in a bankruptcy. Find Oklahoma City used cars with $500 down. Locate a $500 down car lot near you and get connected with dealers who works with all credit types. ... no matter your credit score. 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