1. You want to buy a car that cost $ 18,000.00 before financing , insurance ,etc.
2. You have " bad " credit !
3. You have no down payment !
4. Are you serious ??
First of all you would be lucky to qualify for a loan to buy a used car at least five years old..You are aware of the current credit crisis our nation is in , maybe you are not.You might get a buy here at 25% interest rate / repo here car dealer.. Your best bet would be to save up , buy a car you can afford , try to rebuild your credit and then trade up..
Retired Senior Bank Collector