We are both working with 500 mid score ficos, no bankruptcy, no foreclosures, no repos, just medical and credit card debt. We are looking for $13,993 to borrow for a nice pre-owned vehicle from a reputable nationwide dealer. We both have steady good incomes combined. Can anyone please refer us to maybe a direct sub prime lender besides BarNone financial. We plan to use Bar None but we would like other options. I know that a mid 500 score is gruesome credit but we really need something reliable for $13,993. I don't know if we are going to even get financing with a mid 500. Thanks