I got a brand new Frontier when I was 22. Only thing that helped me get a loan is the fact that I got the loan through a credit union that loves the military. They just set up my payments to withdrawl from my paycheck so the monthly payment was taken care of. My credit was decent after that, but the wife had crap for credit so it hurt me badly. Right now we're leasing a vehicle just to get by.
No credit=bad credit, fyi.