Hey hun im 21 and got accepted for a 9,000 loan straight away, I am earning a lot of money though and ive never had a credit card. If you go into your bank and show them you can afford the repayments they might consider. Try writing all your incomings and outgoings down and see what you have left, maybe see where you can cut down ect. Im sure you will find a way 🙂 good luck hun xxx