Absolutely, they are not scammers or schemers
Probably yes, at a high rate. Ask what the car will cost you at the end of the payment term (usually 4 or 5 years). Sometimes the car + interest ends up costing you twice as much as the car is worth. Please never fall for this. Don't be afraid to buy an old used car until you can easily afford someone newer. Dealerships and banks make all their money on buyers with low credit.
You can go there and try your best, worse case you have to pay higher interest, than you can go to the bank and talk to the bank so they can buy that contract and lowered your payments. Good luck!
I would say do what I did. I asked friends that had bought cars before and asked them to go with me. And if it doesn't sound great and it's not what you want just walk away and try another place. Never be afraid to walk away if you don't like what they offer. And ask all the questions you want and be 110% sure of the deal. Before they even talk about signing anything.
I believe so, except APR could be really high(I once had 21.95%, not from Tustin, though) unless you filed bankruptcy or the score is very poor. Often financial institution turns down then manufacturer's own capital or in-house loan(which I strongly discourage) is available.
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