Answer: -How much can you afford to pay each month? With no credit and no down, you're going to get raked over the coals on interest rates. Also affecting thigns are your employment history, your age, and your income.I would target dealerships that have "special financing" but keep in mind... you will pay dearly for it if you get approved. That's just the price of having poor credit.If you can pay off a car in 3 years; you can consider a loan from Prosper (prosper.com). As long as your credit score is 520 or higher, you're eligible. Those loans are funded by people who bid on your loan request; not by a bank. You'll end up with 14-20% if your credit isn't too good; be warned. -with no money down and no cosigner, your chances of even getting a car are very small and if you do find someone to help you your payments and interest rate will be outrageous. save up at least a couple hundred dollars then try... thats better than nothing. i lot of dealerships have something called an "in house" loan, which is a loan through the dealership rather than the bank. if youhave to have one of those your interest rate will be high though. -There are plenty of sharks out there who will help people like you, who are in an unfortunate situation. They literally make their money based on the fact that people in your situation have no place else to go and will pay an outrageous amount to get a car. This brings up the point that good credit is a valuable asset, and should be treated as such. I'm not going to lecture you about that. But bad credit and no money down usually means no car for you. Look at what you're asking: "I have a past record of not paying my bills on time but I really need a car, and I don't have any money to pay up front to show that I am doing this in good faith". Sorry, but it isn't going to happen.