Transmission went out on my daily driver this week.  I'm not putting any more money into it because it has 200K miles.  In the last 6 weeks, I have gotten 3 new credit cards, Lowe's card, Walmart Discover, and a high limit jewelry store card with a 3k balance.  I'm looking to buy a good used truck.  I have steady income 45k per year, with not a long credit history, roughly 2 years revolving lines.  I have only been out of school for a short time.  What am I looking at as far as financing for a used vehicle?  Are my best options to go to the dealership and finance through them or the bank?