Hybrid Cars

I am trying to buy a new car, i have a old mazda pick up that is going for sale. the buyer will pay me in janurary so i need a car by then. i havnt chosen what car i want. its either a toyota camry hybrid honda civic hybrid or si sedan volkswagon jetta i am trying to finance one but i am 18 and only had a credit card for 4 months and its probably not im guessing. its a bank of america credit card that maxes at 900. i can give as a down payment 3,000. my parents were saying you can either finance it thrue the car dealer or go to the bank and get a loan i dont know which would be bettter? or does anyobody recommend something else? dont mention a co-signer i have tried and cant find anyone.thx in ahead

I would try financing through a bank first or even a credit union or state farm insurance which can do financing. you will get a better rate through them than a dealer. try through bank of america first since you already have a card with them. compare rates and also consider buying slightly old instead of brand new and see if that changes anything. also- nice job on selling your mazda yourself. you will get more for it that way then as a trade-in.