A local non-chain bank. At least that worked for me. I had no credit (not bad credit... some people say that no credit is even worse) when I needed a loan for my current car... a local bank approved me (even though many other more well known banks did not). I've actually been late on a couple of payments (side effect of being occasionally unemployed), and they've worked with me on it, and have been very helpful.

I know that most banks don't seem to operate the same way, so YMMV...