<prompt> Human: I have crappy credit, around 570, with some accounts open or defaulted. Im paying on them now but will be another year before things start getting cleared up.Would it be better to go to a car dealership, or some kind of bank or capital one I have a cc from them? Im also self-employed so gotta deal with showing tax forms and such for income. Or does it not matter at all?  <response>: Do you need a car? Ill ask again. Do you need a car? Or is it a niceity so you dont have to take the bus or carpool, etc. Im not saying this is your situation but a lot of people think they need a thing when they really just expect they should have it. Overall, you dont want to make your bad situation worse. If your credit is really that bad from defaulting, it sounds like you have enough financial troubles without adding a car loan at probably 15. I would suggest: First consider if you really need not want the car If you do, consider if you can hold off without one temporarily. The longer you wait the better you can afford it credit and cash wise. If you get the car, get a used one and borrow as little as possible. 