STOP!!! Read and be warned, seriously...
Do not, unless it is your last "life or death" option, buy and/or finance ANYTHING with DriveTime. I've never been their customer but I have read countless comments from people who have dealt with DriveTime and believe me, they are the worst of the worst.
You'll be treated as if you are buying a car from a back-alley loan shark and you'll deal with associates who remind you of the same. To make matters worse, their vehicles are EXTREMELY overpriced and so are their interest rates. And Heaven forbid you should ever miss a payment: they go from loan shark to "Guido" style collectors in a snap. To top it off, I've been reading where a lot of the vehicles they sell often break down not long after the poor buyer gets theirs home.
DriveTime and places like DriveTime are for people who just can't turn anywhere else, and looking at your situation, you still have options.
I'd suggest sitting down with a bank or credit union loan officer and explaining your situation. Be honest, be up front and ask them how they can help you get into a reasonable vehicle with a loan that you can afford. Offer to set up automatic withdrawals for payments, etc. and they'll likely be willing to listen and perhaps even work with you.
Also, try Roadloans or CapitalOne Auto or HSBC next. Your FICO scores might show one thing, but many auto loan companies used a "auto enhanced" score based on past auto loan experiences you might have.
Bottom line: NO DriveTime, whatever it takes.
