Newbie: Finding Financing

[Cameron Ellis]

How's it going BP?
Im having trouble finding anyone that will finance me, I'm a 19yr old college student, fair credit 650+, 3yrs on my current job, never missed a payment on any of my credit lines, paid my first vehicle(14k) off a year early. Looks really good on paper, but the banks wont touch me basically because they don't want to finance under 40k. My purchase range is 10-30k in the Memphis Area. BP, what is the best option for me?

My ears are open to any helpful insight, and suggestions.

Thanks, C.Ellis