If your credit isnt good ( i.e below 600), you won't be able to get a loan. Your only option would be to work on your credit and hopefully get it up to the minimum necessary to finance ( 620).
There are many ways of raising one's score: paying off credit cards, opening a new line of credit, settling collection accounts, removing old charge offs, etc)
You should probably call a debt specialist and get a cosultation there.
Andrew and Elena Ollick
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