Given the economic times as well as Toyota's recent bad publicity, they have really lowered their financing qualifications to move vehicles, so you might be pleasantly surprised.
Go visit the finance folks at the dealership and tell them about your situation. They have seen all sorts of consumer credit issues, so I'm betting it may not be as bad as you think. Show them a recent credit report, if you have one. They can give you a pretty good idea of what financing terms will be without you granting them permission to pull your credit report. Making a reasonable down payment usually results in more favorable rates, so you may want to explore that possibility.
Flip side of the coin. Going to finance before agreeing on purchase price can be detrimental. I would negotiate first then look at financing. As soon as you agree on price, it's probable that they will steer you to sign purchase documents. DON'T DO IT. Doing so gives the dealership leverage that ordinarily is adverse to consumer's interests.
Be disciplined and candidly tell them you need to know the complete financing terms before you are willing to sign any documents. Then if it's a good deal, you can proceed. If it isn't favorable, you can walk away knowing you didn't sign anything that compels you to purchase the vehicle.
If you would prematurely sign purchase documents, they may have recourse to force you into a corner and thus into a very expensive loan. You don't want that.
Food for thought. If you truly are a "couple of months" away from paying off credit card debt, why not devote all your disposable income to accomplish that feat, which in turn should improve your FICO even more. Then go car shopping. Doing so could garner you better loan terms and over the life of the loan it could save you hundreds of dollars.
