So I want something like a 2006 GMC Sierra. They run around 13,000 dollars used on average. Do you think any dealers would sell me one if I had a 7,000 dollar down payment (cash) but no credit? I don't have bad credit, I just never developed any. I applied for a credit card yesterday, but that stuff obviously takes time to build. I have a son on the way due late March and I want a safer family vehicle plus something I can carry things and have fun with a little off road.