Are there banks out there that fianance people with bad credit for auto loans and arent tied to auto dealers?

I have bad credit but no major issues like bankruptsy, child support or anything like that....I make great money and am trying to re-establish credit...I know there are banks out there tied to dealerships that will finance me but I want to buy from a private owner and go directly through an independant bank. I plan to put down about 50% cash? Please help!

You may want to search the net for banks in your local area that may offer auto loans for people with problem credit! You may have to call and ask that bank! Explain you situation about you credit! Sometimes if you explain your situation in advance and your credit report shows that you have been proactive in taking care of finances , they might finance you! Especially with a down payment. You just have to find the car you like! Right now the economy weak, and many banks are lury giving out loans! It is all about your debt, credit score, and your earnings. However, finding the right business is the key. Therefore, you might even consider getting a private loan to finance the other 50% part! ( Capital One or Wells Fargo, CitiFinancial etc...) Or the other option is to buy a good use vehicle! There are some out there 2000 'year plus and up prices 6,000 thousand plus. It just depends on the condition and miles. Dont forget to get a internal report on the car to check if it is lemon, how many owners had the car or been in any accident!!! There are many vehilces out there use you just have to search! With hard work, determination and research you can find the rihgt one! It just take patience and time! Look in the Newspaper ( priavte owners), e-bay, even look at local bank for cars they are selling!

Hope it helps,

T.Y. :)