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How do I get a car loan with bad credit or no credit?

I am 19 years old and am currently looking to get a car loan for anything between $3,000 and $5,000. I have a store credit card with Victoria's Secret and have been paying it off, but my credit is still bad. I'm living in Massachusetts and cannot find any reliable credit unions north of Boston. I also cannot find anyone who is willing to cosign due to the fact that they also have bad credit. Does anyone have any suggestions? I have tried to talk with banks, but no luck and I need a car to get to and from my job, which I have been working at steady, about 30-35 hours a week for about 6 months now. I would really appreciate any suggestions. Thanks a bunch! :)

Asked By: JacquieM - 1/3/2011
Best Answer - Chosen by Asker
Save up cash or you are going to be stuck at one of those "buy here pay here" used car lot (see JD Byrider has a few locations in Mass.) where they charge you like 10 grand for a 15 year old ford taurus, plus another 26% interest.
Answered By: Overnight - 1/3/2011
Additional Answers (2)
Well it's rare but there's always a couple of car dealerships downtown that sell cars regardless of credit history.There in approximately 75% of downtown areas across North America.
Source(s):
Answered By: Usman Ejaz - 1/3/2011
 
I always taught my students to make their car payments in advance before buying a car. This worked better when interest was higher, but it will still save you money... More
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Answered By: mschulman1024 - 1/3/2011
 
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