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I'm in need of buying a car...nothing fancy, just an A to B type of car.  Unfortunatley I have less than stellar credit, scores ranging from 591 to 637 (depending on the bureau, i can't beleive the range differnece mysself)  I don't have any past auto debt or delinquincy or anything like that, my biggest negative is a lack of a credit card.  I'm wondering what options are out there.  I budgeted carefully to konw what I am able to afford monthly and all of htat.

What can i expect for down payments?  Where can I go?  Please help me with any advice, I'm really not sure what I'm doing...I wish it were easier, but I don't know what i'm doing.  

You need an idea how much you can put down and that will affect your monthly budget.  Basically the more you put down, the more you save on finance charges, shorter cycles, quicker payoff, and better equity position.  For example, if you are buying a 10,000 dollar car and put down 1000, you will may likely have to pay 250+ monthly, depending on the interest.  If you put down 3000, it'll lower you're montly payment about 40-50 dollars.  With your current credit score range,it would be good to get a co-signer or put down more money 20-30%.  If you have bad credit because of an event, the chances are better, if you have bad credit because you're not great with paying on time, it could be a bigger problem.  You have to check it out with the dealership or bank you choose.  VanHyundai.com has a finance calculator you can use to determine the payments from how much you put down and the price of the vehicle you're purchasing.

Elbert