Also try going up to a local dealership and ask if they have a special financing dept. Many do and they work with various subprime lenders and can shop the loan for you. This is the way I obtained all my auto loans when I had bad credit.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Last App: 4/5/13 Gardening until July 2014
Happy ending to my woes. I was approved and have picked up a 06 ford escape 4x4 with 75k miles for $8300 at a ford dealer in Beatrice Nebraska. We put $2000 down and will have payments of $174/mo on a 54 month note @ 18% apr. The lender was American Credit Acceptance. Able to keep my old ratty dakota for backup and heavy lifting. Thank you so much for this forum and all who advised. I will be sure to post the relevant info in the approvals forum so others with bad credit will know it can be done.