You should be able to rent a vehicle from the "Vehicle rental" NPC who is somewhere in the city. NPC Shops don't sell ships or vehicles, they only sell a few basic items. A little different is the NPC Market, which you can access from Commerce Centres (however, there might not be one in your city or your planet, as they have to be built by factions). Since the NPC Market offers entities at very low prices, it's usually empty. Additionally, the entities you buy there are most likely not at the same location as you.
If you want anything else than those items provided there, you will have to buy them from a faction or another player, but note that they are quite expensive and usually not obtainable with your starting money.