If you want to look at repos, call around to local banks. If you get lucky you can find one you can pick up for a decent price. The bank should be willing to sell for what is owed them. But do the research. Don't go through a bank AND a dealer. Best way to get the best financed deal? Don't buy from a dealer. Get bank financing and buy from an individual. And never, ever buy from any of the big chains, like Carmax, etc. They are always way overpriced. Dealers are too. If financing is the issue, just buy an older used vehicle in good shape for a much lower price, from an individual. Pay cash if possible. I've paid cash for every vehicle and bought only from individuals since 1985. No payments or other charges. No markup. Learned how to shop smart and find good cars for good prices. I've saved a small fortune getting off that merry go round. My '07 CR-V is in as good condition as any used car out there, and will last for years. You won't get a better answer. The simple truth is that financing a new or used car is one of the poorest financial decisions you can make. It locks you into an unwise debt and is exorbitantly expensive. I know it's the American way, but it's not the best way.
