I am not sure where you have tried... But if you go into a local credit union and see if your mother can co sign a loan. If she does not have bad credit (bad credit is much different than no credit) and a reasonable income you should have a good chance at a fair loan. Banks go by numbers, credit unions are much better. They usually can look at things at make a judgement call. I am not a big fan of banks... Their rates are a lot higher and they treat you like a number. Just my 2 cts....