I have a classmate who was also an international student. He had $5,000 financial aid and had no credit history in the US. After he came to US, he wanted to buy a car, and no one bank, in town, was willing to loan him the money. However, if he can find someone as a guarantor, banks were willing to loan him the money. I believe credit history in the US is an important factor to financing any thing in the US.