best place to get auto loan?

I'm looking to buy a daily driver but because i'm only 18 my credit isnt that high. I dont have bad credit or anything, I just dont have that high of credit. The vehicle I want is 8,000. I went to my credit union today to try and get an auto loan. But the way they did it was around the kelly blue book value of the car, so therefore they would only loan me 4,851 dollars. Are there any good places to get an auto loan with very little credit? Like those ones on commercials where they say "bad, credit, no credit, you'll be accepted kinda deals? Or do they charge out the ass with interest rates? My credit union is already out of the question, but i was just wondering if there are any of those places that are actually good with their interest rates, i believe one is called e-loans, their like little shops stores in shopping centers and things? If anyone has experience with these or knows of a place that allows loans for people with low credit please let me know. I'd appreciate all help

qjust go to a dealership. they will get you financed, also they will submit your credit to like 200 banks to get you financed, this isnt a gret thing but im srue they will get you into a car.

your credit rating is a huge factor in getting a loan whether it's a car or a home loan. bad credit means you'll have a hard time getting approved or they'll rape in interest rates. great credit will open tons of doors and get you great deals. you may need a co-signer to get a good rate.

when i bought the Ranger I had, i didn't have enough established credit so i could only lease it on my own, but my dad co-signed and that got me 0% due to his excellent credit history. you may want to try www.lendingtree.com. good luck.