I have had several couples stop by here after visiting a local dealership, they spent 4 hours in the dealership having their credit pulled by 30 lenders trying for an approval.
DON'T BELIEVE THE ADS OR THE HYPE. THEY ARE DESIGNED TO GET YOU IN THE DEALERSHIP TO TRY FOR AN APPROVAL. I was able to get an approval for them with a lower down payment and monthly payments below 300. If you are credit challenged, have a job for a minimum of 3 months and income of 1500 gross a month, then come see me first for a fast approval.