<prompt> Human: - 26- making 43kyear- 8k credit card debt- 33k student loan debt- Need car for work commute currently borrowing friends car- trying to buy a car for 7k from a friend and need a loan with poor credit and 0 downIm really struggling to find a bank or credit union that will give me a personal auto loan. I dont know what Im doing wrong, I cant seem to find the right place to look.Most of the places near me dont offer personal auto loans, only loans for dealership cars. And the bank Ive been using for the past 8 years only accepts good credit for loans and mine is unfortunately not that great 607 when I checked last week.Google has not been very helpful. I feel like I just need someone to point me to the right place to apply for a loan, but really any advice pertaining to my situation would be wonderful!  <response>: Bad credit and 0 down are going to be a bad combination. A credit union would be the best bet, but youll probably need at least 10 down. 