How can you buy a decent car with bad credit- without being taken to the cleaners on interest?

(sorry this is so long) My husband lost his jobs 2 years ago. Since then he's started a new job- and we are getting back on track. Unfortunetly we got SO behind in those 6 months without him working (I was having a difficult pregnancy and couldn't work)that we ended up losing our house and car due to bankruptcy. Our car we were driving died 4 weeks to the day after the warranty expired (it only had 59,000 miles on it and it was going to cost over $3000 to fix the engine)- so we just kind of gave up on it and surrendered it (and that was after paying on it for a year while it was dead)Anyway- we are now driving 2 late 1980's cars and they are dying pretty quick- we need to get something that we can drive across town with the children and not worry about them starting on fire (which did happen to me) or breaking down. I refuse to get a car with a huge interest rate just because we had a couple of rough years. I think we've paid and suffered enough...any ideas?How can you buy a decent car with bad credit- without being taken to the cleaners on interest?
Credit has always been an important factor when buying a car but there are more and more lenders now have special finance program for customer who has less than perfect credit.



Due to the slow market, most car dealers will work extra hard to get you approved as long as you have job.



We would suggest you to shop on the interest rates first before selecting a vehicle, here are some good lenders who can help you through the process:



https://www.harborcredit.com/partners/Au



http://www.capitaloneautofinance.com/PubHow can you buy a decent car with bad credit- without being taken to the cleaners on interest?
Save up until you can buy a decent car outright without borrowing. It saves you a lot of money and puts you in control, rather than some paper-pushing accountant. There are a lot of cars out there from the '60's and '70's that will keep going strong for another 20 years and can be picked up cheap.
You prolly cant. They look for any reason to increase your interest...bad credit means you might skip out on payments...like you did before. Friends or family members might be looking to sell. They may be more flexible on your payments.

You may be able to borrow against your home...but it doesnt sound like you would have been in it for long. =\
your only chance is with a credit union most credit unions will except you if you have family that are members credit unions have a little more flexibility than banks or you need a cosignor the do not finance older cars they break down and you do not want to fix a car and pay note.

messenger connection

web hosting servers