I did by a car from JD Byrider, and it was an annoying 3 year car loan. Also I did pay a lot more for the vehicle than what the blue book value was. But despite all that, I was happy with them. The car lasted much longer than the loan, and didn't break down. Also although I might have missed a payment here or there, they never had a bad attitude, or were disrespectful, or threatened to take the car away. I probably never missed more than one payment, and generally I paid on time or early. As for the "smaller dealerships that do in house financing, " I think that's kind of a fantasy. If you're referring to a place like Capitol One Auto Credit or some other place, well they would probably be a lot like JD Byrider. If there are other dealers that had in house financing for people with poor credit, and didn't gouge the price on the car, you should mention their name. Otherwise its kind of like claiming you saw a unicorn.