Have a credit/loan question?

So I’m 24 years old and have no credit cause i’ve never really had any bills not to be smart or anything I just never wanted to be in debt. So now my boyfriend and I are engaged and will want to get a house obviously together so I want to start building credit, the thing is my parents wont cosign for me and I don’t want my boyfriend to take on the responsibilty, so I’m thinking of using my car as collateral and taking out a loan. What are your thoughts on this will it be a good idea? Can I get one eventhough no credit?
What are your thoughts? Thanks in advance for each answer. =)

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