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Legally, an 18 year-old can get a loan, however, they don't generally have a long enough credit history to do so. Even with a full time job, the lack of credit history will deter financial institutions from offering credit.

Some suggestions:

* Apply for a loan with a co-signer (that has a good credit history)

* Apply for a secured credit card that reports to credit agencies (one will deposit money in an account which will protect the issuer of the secured card from default; over time, the credit record will be built and the card holder can apply for standard credit products)

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Q: Can an 18-year-old with a full time job get a loan?
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