what is the best way to buy a car with Horrible credit? In Florida?

Answer 1

You have a couple of options: where you get the car doesn't matter, since it's the credit that's the problem, not what kind of car.

You can shop at any reputable dealership (Chevrolet, Ford, Honda, Toyota, etc) and find the car you want that you can afford the payments for. All you have to do then is to get a loan to pay for it. With horrible credit, that will take either collateral (something valuable you already own) or a cosigner.

The co signer guarantees that you'll pay the loan off, or they'll pay it for you. Takes a really really really good friend to cosign a loan note for someone.

Second option is to deal with a 'tote a note' car lot. (The sign will say 'buy here, pay here). You'll have a limited choice of cars, will need to have a down payment and a job, and will be required to make payments every week or they will come get the car.

And, a tote a note lot will not report your payment pattern to the credit reporting agencies, so they don't help your credit (or hurt it) they just get you driving.

Other thing you'll need is insurance.

Answer 2

The best way? Pay cash.