llecs wrote:Likely none. There might be some places out there that can finance you with a very high down payment and a high interest. But in the end you might end up paying 30-40% more than the car is worth. I'd take the $3000+++ you'd have to fork out for a down payment and use that for a used car. Then I'd focus on repair. In 3-4-5 months or whenever then you can get financed at a lower rate with less down.
I agree 100%. Sell your wife's car for whatever you can get for it (provided you don't still owe), scrape together whatever money you can, and buy a used car that will get you from point A to point B. Then, work on your credit until you are in a position to take out a loan. This site is WONDERFUL at helping folks get their credit cleaned up. With some hard work, a little luck, and a lot of persistence, you can do this!
Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)