Answer: -You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below... -Sorry for your tribulations, I sounds like things are turning around. The problem I believe you will encounter is that not only does the interest rate go up, but the price of the car goes up and the quality might not be the best. Then you end up with payments and still have to make repairs. Do you know your credit score? If you have applied at a dealership, they will have it. They can not give you your credit report, but can tell you your score.So you might end up better off to try basic transportation for cash. I think a 5-8 year old Buick is a good start to look at. Maybe you can find a one owner private sale. -If I were you, I'd pay cash for a cheaper car and work on the credit in the mean time, if you get a loan on bad credit, it will cost you alot of money in finance charges. I know I've done this and I ended up paying like$25000 for a truck that was worth only $15000 at the time of purchase! all that was interest and finance charges!!!