text: Based on my experience, it's probably not that much. I used to work in a bank and would review loan applications from people with little or no credit history. Your best bet is to get a co-signer with a good credit history to back the loan with you being the primary applicant but even with this approach you may still only qualify for up to a few thousand or less depending on your current income and other expenses. Although, even starting with just a few thousand it should be a good starting loan to establish some history for you. Keep in mind though that every lender has their own requirements but the more lenient they are you're probably paying for that with a much higher interest rate.