who said anything about paying 21% interest? i guess its wrong to try to get a loan. Sorry man, just give up dont even try to get a loan.only an idiot pays 21% interest. without a co-signer, you'll pay a couple thousand extra dollars. banks don't give loans like they used to either.
are you on a different planet? 1)no co-signer 2)18 years old 3)limited credit history. just those 3 factors rule out any decent interest rate. probably rule out most banks even giving him a loan. be smart with your moneywho said anything about paying 21% interest? i guess its wrong to try to get a loan. Sorry man, just give up dont even try to get a loan.