You may see the car you like so much moving around you. But you cannot afford it because you do not have necessary funds. You are not approaching the loan lenders because you have a bad credit record. You are afraid that your application will be declined then and there because of your poor credit score.
I am sorry to say that you have a wrong impression of the recent loan market. A car loan is absolutely affordable even with a bad credit history. All you have to do is to take bad credit auto loan.
