Bad Credit Auto Loans

There are a huge number of banks that deal with auto loans for people with challenge credit. The two best choices are:
1. Go to a very large dealership that advertises that they help people with credit problems. A large dealership will normally have more banks they work with, more talented leading specialist on staff, and stronger relationships with the banks. (There are exceptions to this rule of thumb.)
2. Put down a large down payment. The more money you put down, the more likely the bank is to give you the loan.

Also, note two additional things:
1. Depending on current rebate offers, a new car may be easier to finance with a lower payment and lower down payment for you.
2. Some credit unions are wonderful for people with credit issues.

My advice is to find a dealer you feel comfortable doing business with. Believe it or not, there are honest auto dealers and honest car salespeople. Try to find one you instinctively feel good about. Generally, you will get the best deal from a "good person".
For car loan quote

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http://www.loansandinsurances.com/

Your boyfriend is a dummy for co-signing for you.
Better make sure you get married or you and he are in for a ‘long ride’ when you break up.

Has your living or income situation changed since 2006? If you are driving in a ‘clunker’ in the first place, can you really afford a new car now?

I normally don’t recommend Kias, but for the price, look at a Kia Spectra. It is being replaced by the Forte and it comes with a huge rebate and a great warranty.

I would visit a website like http://loan-seeker.info. They have a list of legitimate auto loan providers.