I'm going to be 18 years old after two months, and i will apply for DV Lottery 2012. I want to study, work and live in USA and become a citizen. and im thinking of getting a study loan after i get an immigrant visa if i won, if soo, what is the requirement for getting a loan & details.Car loan???? I tried getting a loan with my bank but they denied my due to my credit being bad....does anyone know where i could go to get a loan for a car....i also want to buy my car from a auction i dont know if that makes a difference???? ... is there usually some stipulation that you can't use a personal loan for a car? What sort of collateral do you usually need for a personal loan? If you have good credit, can you get one w/out collateral? Any info would be greatly appreciated! Thanks!