I’d like to briefly add that there is an underwriter on creditboards who will review an application of yours, without pulling your scores, and will give you a very accurate estimate of whether or not you will be approved for your loan.
His application is here:
http://creditboards.com/forums/index.php?showtopic=197666
Complete it thoroughly, and post a new thread in the auto finance section of the forums. He should reply within the day.
Unfortunately, he will not even attempt to quote an APR.