No credit or poor credit, here's what to do

<p><strong><span style="font-size: 14.0pt;">Financing your first big ticket</span></strong></p> <p><span style="font-size: 12.0pt;">Dealers charge whatever rate they can get away with</span></p> <p><span style="font-size: 12.0pt;">For ratings stick to the yearly edition of Consumer report</span></p> <p><span style="font-size: 12.0pt;">Heads up for the buyer</span></p> <p><span style="font-size: 12.0pt;">The banks, more risk, more rate</span></p> <p><span style="font-size: 12.0pt;">Know your budget and stick to it</span></p> <p><span style="font-size: 12.0pt;">Down payment isn’t a lock</span></p> <p><span style="font-size: 12.0pt;">Employment offer</span></p> <p><span style="font-size: 12.0pt;">FTB, finance first, buy and negotiate second</span></p> <p><span style="font-size: 12.0pt;">Don’t give up</span></p> <p><span style="font-size: 12.0pt;">Financing has many sources</span></p> <p><span style="font-size: 12.0pt;">Referral letters will help</span></p> <p><span style="font-size: 12.0pt;">Cosigners are the best answer</span></p> <p><span style="font-size: 12.0pt;">Recourse dealers</span></p> <p><span style="font-size: 12.0pt;">Improve the risk</span></p> <p><span style="font-size: 12.0pt;">Buy here pay here may be the last choice</span></p>