I've been saving up to buy a new car to help my brother out, since he got laid off recently and lost everything.. I decided to give him my old car (it was given to me from my parents) the vehicle is paid off. I've been wanting to buy a Chevy Sonic and the vehicle should cost around 16-17k what's the problem? When I tried to go to KIA last year they were telling me my interest rate would be 22% I had 0 credit and I've been working on building credit with paying my online schooling off ($200 to go) and making monthly payments on my secured bank card. My coworker who used to work with Chevrolet was saying they were bullsh**ing me that he has seen people with bad credit and pull a better rate..
Have you considered getting pre-approved for a loan with your bank or CU? You can probably get a decent rate with them and keep your INQs down as well.
