Thank you for the replies. I talked to someone at a credit union today and they said I'd be able to get a loan no problem. The only negative is that it would be 14.4 %. However, with a cosigner it would be 4.2%, and lucky for me I have someone willing to help out. Unfortunately, their special 1.4% rate just ended, and it won't be for another 6 months for it to come into play again.
All in all, that expands my search radius vastly. I'm still sitting on that Mazda 3, but if I can't talk them down enough it won't matter as much to me.
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The closer you get to something, the tougher it is to see it.
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El psy congroo.
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