I applied at USAA and was declined. Also the 2nd service they sent me to declined my application. I am fresh out of a divorce with poor credit. I have established 1 on time paying credit card and apartment rent in the last year. What are my next steps? I have $5000 to put down on a vehicle and i've been looking at $10,000-$15,000 cars. 25% interest is what i'm getting quoted. Suggestions?