Sure, my credit sucks because of a divorce. That's my problem, so I have to deal with 2nd chance lenders via Eastern Motors (in Maryland).
They lied to me to get me in the dealership (200 miles round trip from my home), didn't have the car they said they did on-line.
Wanted me to come back 3 days later to "pick out a car".
Was told they couldn't discuss my financing over the phone, that ONLY a banker could do that, so I told them I wasn't coming...it was too far to drive for me to get jerked around.
5 minutes later, they called me back and told me everything about the financing (lie #2).
They offered me a whopping $16,000 at 20% interest.
I make over 100k a year, and yes, my credit sucks but it's because of a divorce which resulted in two of my homes going to foreclosure.
For 38 years I've had kick-*** credit...now, I'm f**ked because of this divorce...I used to have credit cards with $25,000 limits...now I'm offered loans that would barely pay for a used Honda.