I'm working with a bank now guys that has $500,000 to loan out. There is no gimmick...All you have to do is have 1 year on the job and 1 year at residence, make at least $1,600.00 gross per month, and have at least $1,500.00 down and be able to prove all the above and your approved for vehicles under $10,000... Any questions call me at (607) 844-8113 ask for Brian