Hal,
The credit card route is how we purchased our first (everyday) vehicle when we arrived from the UK in '97. The company even had to go garantor on the credit card as we had zero credit history and came in on a temporary worker visa, so the finance companies see it as a higher risk.
I recommend you get a couple credit cards and finance as many of your purchases as possible, even the small ones. If you pay timely you will soon establish a reasonable credit history and the 'Land of Opportunity' (read: 'Land of Credit') will open up for you.
You know you've arrived when the junk mail starts arriving with all your pre-approved credit!
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