You may be in the market for a pre-owned vehicle, but have had problems due to a low credit score rating. Banks can be very conservative, and will not loan money for vehicles to potential owners with less than excellent credit. This does a disservice to many potential customers whose credit may be low but have a good job and recent payment history.
As you establish a payment history, lending institutions will look closely at payment pattern, and will be interested in auto loan payments. If you pay your regular auto loan payments on time, you will rebuild your credit history. Obtaining a secured credit card, and making regular payments, will also help restore your NY bad credit to better levels. Remember, if you go to an auto sales lot and pay cash for any car, you will not be helping your credit score. A good record of making payments is needed.