If you have a situation outside of the norm and you go to a regular car dealership for a loan then yes, it will be difficult. Most car dealerships have a finance manager that is only trained on how to finance good credit customers. It is usually more work to get a customer that has bad credit or a slightly different situation a loan so why put extra effort in to it? If you want to get the right kind of help with a car loan and you have a special situation why not go to a Special Finance Manager? All of the finance managers signed on with our program specialize in out of the norm types of situations so they are ready for it. Don