What if the store does not offer a way to purchase on credit?

You may go to a bank and apply for a loan. Many people purchase cars by obtaining a loan from their bank rather than financing the car through the automobile dealership. Banks also will check your credit rating to determine if you are a good credit risk. When purchasing anything on credit it is best to shop around to see what stores or banks give the best rates and terms for lending you money to purchase the product you want.