Check with your local credit unions dude. When Iboughtmy used truck I just called 2-3 of them, told them what I was planning on spending, they did the usual quick credit checks, and I went with the one with the best rates. I wasn't a member, and it was easy as hell to get setup with them. I got a fairly decent rate (for a used vehicle) of 2.99% and I can't stress how god damn easy it was. I used a local one here called Wings Financial, just look around and tell them what you want to do and they'll explain the process.