pay low interest? I have bad credit after 3 years of unemployment but now I'm working with good pay. I've been working for 3 months and in need of a new car.

It's good to see you back at work after that long period of unemployment, but let me tell you this, the last thing you need after only 3 months on the job is a new car loan that'll keep you tied to payments for 5 maybe even 6 years.

Forget a new car. You aren't in the position to be thinking new car yet. Give it time. Go out and look for a good, solid used car that is inexpensive to operate and will cost you 60% - 80% less than a new car. You can get a lot of car for $5000 if you shop smart.

Even with poor credit you should be able to borrow that $5000 and pay less than $175 a month for only 3 years. The average new car loan today will run you over $450 a month for 5 years, IF you can get it financed.