Just because you have credit problems, it doesn't mean you can't get an auto loan with a reasonable interest rate and payments that you can afford. In this new internet age and with lenders knowing that you've got to have transportation, it's easier than ever to get approved with the right loan company. Don't be discouraged by what car dealers tell you about your credit. They aren't the final authority, anyway.
The simple fact is that car dealers don't really have much to do with helping you get approved. They're just a middle man. Today's lenders prefer to deal with customers directly when there is poor credit involved.
Car dealers will come back and tell you that you'll need a down payment, or that your interest rate will be really high and getting you approved with payments that you can afford will be really difficult. Don't listen to them. They are not the loan company. Lenders actually prefer that you apply directly and you'll get approved so much easier when you do so.
You've got to have a car to get to work, got to have one to get to the grocery store, go out on the weekends and just get around to do what it is that you do on a daily basis. Lenders know this and are adapting to the credit change in America. With the economy hurting so many hard working people, car loans are easier and easier to get if you apply directly for your loan and bypass the middle man, known as the dealership.