You need not sit back cursing your mistakes that led to the bad credit. There is always scope to improve it. You can avail a bad credit loan and then repay it off to repair your credit. If you have something to place as collateral, you can easily get a loan for your car.
Even if you do not have anything, you can go for the subprime auto loans. This scheme allows you to place the car you are buying as the collateral. So in effect, this is a secured loan. Thus, the interest rate is low and the repayment tenure is calculated based on your income to expenses ratio. In addition, in this case, you can place some sureties so that your loan is approved fast.
Some moneylenders offer totally unsecured subprime auto loans, which means no collateral. This also means extra risk. This is why the rates of interest are a bit higher than other forms of loans. But then in this case, your car is safe even if you miss some installments. These loans require some upfront payment, which is often 20 to 30 per cent of the vehicle value.