Most dealers will not allow you to take the car the same day. They told me they need to have the check clear before I could take the car. I would have the dealership run your credit and see if they can do better. I was approved for 15% with Roadloans and then VW ran my credit and got me 9%.
They did try and said they "couldnt get any bank to bite". DH's highest score is 602 when they ran it the other day. I dont mind waiting a couple days or so. I just want to make sure they are reputable.
Starting Exp-545, TU-531,EQ-515 DH starting Exp-503,TU-486,EQ-470 short term goal: mine-600, DH-550
I think Roadloans have been in biz for awhile so I'm sure they are fine. I did a search on here for Roadloans and people seem to like them. I would go for it and then re-fin in 6 months or a year. Just make sure you get a car with a high re-sale vaule. It will be easier to re-fin then if you have a car that has not depreciated a huge amount.