Loan is for a vehicle. Not the jeep persay, but a vehicle in general. Grandparents have perfect credit and will co-sign for me. I think I'll go to best buy or home depot tomorrow and get a store card. I'm taking all of the advice I've been given, taking it in, doing my own research, comparing it, doing more research, and doing more research lol. But I guess in the end, I'll have to learn for myself. Thanks guys. All of the in-depth explanations are confusing, but I'll get it eventually lol. I'll let you guys know if anything happens.