Lots of people have ended up with bad credit after the fall of the economy, but everyone can start improving their situation by working out a strategy to improve your credit. There's lots of great websites with tips you can explore. You should also contact some of the lenders that are in your area to see just how far away you are in numbers to your goal. Of course, the more cash you have to put down, the more lenient lenders will be about lending. And sometimes you may have relatives that would consider being a co-investor. Just don't go running out to buy a new car first!