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Do you belong to a credit union? It's a good starting point, if you have no assets do you have a co signer available? I guess the point is to drive the best % you can, make sure you check on the % for a newer car. Sometimes the age of the vehicle puts you in a higher % bracket, that could be significant in considering a newer purchase depending on the amount financed. Lastly, be careful buying a car you have never driven on E bay. Not only don't you know the mechanical efficacy but you have no clue as to whether the car has been smacked. Don't trust carfax either, My friedns own a bodyshop and tell me cash repairs remain transparent. good luck and happy shopping.
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