ANSWERS: 2
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Go to a used car lot that says they "carry their own contracts" -- a fancy way of saying "we loan you the money ourselves". Basically, they will rape you on the down payment and interest rate... you'll pay 50% more than the car is worth, but you'll have wheels.
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Get the information together showing how you are going to pay back the loan on the car and go to a Credit Union. You can find their address in your local directory. You will have to pay a small fee to join, but they can give you the help you need.
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