You didn't get fucked with 19% apr because you had no credit history. You got fucked with 19% APR because either the parameters of the loan were really bad or there were some other circumstances. Income less existing obligations vs payment size account for the lion's share of interest rate on an auto loan or just about any other consumer loan.
Credit history is massively over-sold as being impactful by the kind of idiots who live payment to payment.
Credit history is massively over-sold as being impactful by the kind of idiots who live payment to payment.