Neblett wrote:
I think with my situation that I may just end up getting an auto loan through a dealership and put up with the high interest for the first year, and then refinance with someone else later at a lower rate. I think it will take another year of careful attention to my credit situation before I'm really going to be in a situation where things will get better for me.
Not a bad plan... just refi in 6 months. 
Have you tried roadloans.com?
