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Originally Posted by Britster  Oh and I get paid in cash basically under the table... usually it's less than $500/month - but sometimes it's a lot more, it depends. I am a pet sitter weekly but also do babysitting, other side jobs such as websites, working at moms salon, dad owns an alarm company I do stuff for, etc. I kept a good amount in my account from my birthday and such where I have a nice cushion to sit on in my bank now.
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(Unless you have a trust fund that can be verified....)This is your biggest obstacle. You have no legitimate, verifiable source of income. You would be an extremely high risk borrower as (on paper) you have no income to pay back any loan. Even for those that do have a job, length of employment and earning stability are key componments of loan verification.
I agree with the others that said a secured credit card is probably your best start. Local credit unions are great for young credit builders as their lending rules are often more lenient. Basically you put $500 in a savings account that secures your credit card, and you in turn get a credit card that you can charge up to $500 on. The idea is that you still pay monthly payments for anything you buy and charge, but the $500 savings account is a security for the bank incase you default on your charges. That way, they don't have hardly any risk and you build credit through monthyly payments.