Its worth it to try any number of places. The worst they can say is no. Credit union may be your best bet though.

 

k ill try a credit union as one last stop. i felt like my credit score is taking such a hit right now applying for all these different places and getting denied.

 

Its my understanding that if you apply at numerous places for the same type of loan(in a given amount of time) then it only counts as one ding. Thats how it works for car insurance at least.

 

^ i have been told this as well. I wouldn't worry about it.

 

The rule is 30 days, so hurry up and find a loan. As a former CU employee I agree that you'll have more luck there.

Also, FWIW, Jesus parks his POS down the street from my office:

 

i never got why credit unions are more lenient than the big time banks. you would think a bank like chase or bank of america have so much more spending power than a credit union, they they would be the one who would be approving more..

 

Your college may have a credit union. They may give you special consideration being a student there.

 

Try dealers if you can find a deal. With 10k down most would be doing everything they can to get their banks to give you a loan.

Just be careful

 

A bank is a [big] corporation whose goal is profit -- they are typically adverse to high risk lending. A credit union is owned and controlled by its members with the goal of providing those very things -- reasonable interest rates and financial services -- to other members regardless of risk (to a point). Banks are in it to make money.. credit unions are theoretically in it to help members.

 

your 20 and make 40k a year? whats your job?