Incredible. You are able to make $55,000 now but then you didn't know you have to pay for what you buy? Anyway, you are probably going to have a hard time getting a loan that does not have a very high interest rate. How is it that you don't have a car now? Did you just start making the bucks? If I were you, I would look for a Very Modest car to buy, maybe about $7000 to $10,000, maybe even less. Get the car, pay off the loan early, and drive the car while you pay off your credit cards. You should never carry a balance on credit cards.