buy a new mustang if you want one banks are nicer to you because a new car loan is based on the retail value of the car not the deminished blue book value of a car... and that dosent cout any rebates given to you by the dealer.. so do it like this......

2004 mustang gt premium coupe 24000
minus 3000 rebates
21000

loan approval amount will be around 27k with tax tag and title.

payment will be around 350 a month for a new car.... warranty etc

or any car for that matter.. buying a new car is easier and mcdill is pretty easy on intrest rates... but you must have a 620 or higher no matter what you do other wise youll probably need a co signer.

BTW i got my 2004 gt with 0 down and rolled in 2500 from my ranger that i lost on trade in.... and i have kinda bad credit no cosigner was required.