in house financing

New or Used? have you actually been turned DOWN by one or more Car Dealers?? Most of the larger Car Dealers have a wide range of banks they do business with (some of them "specialize" in customers with lower credit scores...usually smaller banks, whose names you might not recognize..i.e. Orchard Valley National Bank in Walla Walla, Washington). Your interest rate will be high, so you need to factor that in in terms of what you can afford monthly. Do you have ANY money to put down...or a trade in??

Also, those "Buy Here - Pay Here" places are a complete rip-off! They all sell high mileage cars that they usually buy at car auctions and usually invest only the bare minimum needed to allow the car to pass state inspection, but that's about it!

What if ...he works 40 miles away and it's mostly highway driving (no bikes allowed) AND he has no co-workers that live near-by...AND he lives in a suburban or rural area (non-existant or minimal public transit system). Just playing Devil's Advocate here...

Yep smooth, if there are signs that say 'we carry our own contracts" they will sell you a car, sure, at 40% interest and you got it Tom I used them money from the insurance on my Regal to get out of credit card debt instead of paying most off Corolla The interest is 12% less on the car, I will owe on that instead of cards