If you have poor credit ratings you can only expect to get a bad loan if any.  You will have to accept terms that a good credit rated person would refuse.  The interest rate will be ridiculous. A car loan will kill you.  The payments will be double what they should be.  This will put you on the path to fail.  The best idea is to save up money and buy a used car.  If you need transportation to get to work then you will have to consider public transportation as a stop gap until you save enough for a car.  https://www.youtube.com/user/defendingdemocracy is a place to look at improving your credit rating.