Answer: -Go to one of those places that no on will be turned down! You will pay a higher interest payment but they do work! Or get a co-signer! -You need to talk with a financial planner. Managing your debt when you're poor is even more important than managing your wealth when you are rich. -I hate to say I doubt you will get a loan. Banks look for 2 years steady employment in the same line of work. Your degrogs will hurt you a lot. I do have bad credit and I am paying 21.9% interest on my car note. Take if from me hun get a $2000 Toyota or Saturn or something and don't bother with costly car payments. -If you can get a cosigner w/ desent credit you would be able to get a car loan. But if you cant pay your credit cards how are you gonna pay a car payment, if that car gets repoed not only is your credit screwed but so is your cosigner.