Dylan1982 wrote:I would go through your local Credit Union. They will always have lower rates than any dealership will provide you with.
It's hard to beat a CU in most cases.
If your credit is so so you won't qualify for the best deals offered by the dealers. What you may have to do is take what you can get (and afford) and then hope in six months you are able to refinance through a CU.
Make sure you do it within 12 months though as some lenders still consider this to fall in the "new vehicle" category and offer lower rates.
In the mean time dig around this forum and see what you can do to boost your score--or at least not hurt it.