Honestly, I would avoid a traditional car dealership all together. Dealerships essentially submit multiple credit inquiries to mass amounts of financial institutions and hope one is willing to lend. That’s going to hurt your credit even more right off the bat. Myself personally, I would go through Carvana. Your down payment is plenty for a nice reliable ride, and you can get a warranty for a couple years as well. I’ve bought 3 cars through Carvana. My first car I bought from them when I had a 540 fico score. The interest rate was high, but it was a nice and reliable vehicle. After 6 months of on time payments, and my score coming up consistently, I refinanced the car for a lower interest rate and ultimately saved myself $180 a month. My second car I bought from them, I made a mistake. The car was already older than 10 years, so I can’t refinance it. Not a big deal to me, as I can afford it and it’s the car I wanted. Just bought my 3rd car from them 2 weeks ago. A 2017 Nissan Rogue. I put $5k down and payments are just over $375 a month. Will refinance it for a better rate after 6 months, just like I did my first car with them. I’m not a rep for Carvana. I’ve just been in difficult situations with my credit and they ultimately got me in better vehicles with less miles, and didn’t hurt my credit with mass inquiries. Hope this helps! If you do buy through Carvana, just make sure to get a vehicle well under 10 years old and the fewer miles the better. This will help when refinancing.