If you have good credit, a good paying permanent job, and no other liabilities, you should just go to a bank or auto dealer and apply for the loan. Do not do business with any finance company, or a place that caters to people with bad credit. If you can't get a loan, then purchase a car you can pay cash for and work on building up good credit.
In the UK you would need to find a guarantor. Someone, such as your parents that would guarantee to make the payments and become liable for the loan if you defaulted.
I don't think you should have much problem getting a $20k car with $10k down payment. Most car salesmen dream about people like you! Just make sure you get the best deal you can!
The first responder brings up a good idea. Don't go to "bad credit" places and get a loan there if you are unable to get one at a bank/credit union. You should be able to get a 20k car if you have 50% downpayment and a steady job. However, if you go to a bank/credit union and they decline you, consider asking if you can get a loan for a lesser amount (closer to 10k) while using the downpayment as collateral on the loan. In other words, getting a 10k car while using your 10k as collateral against it. It may sound dumb, but it's a great way to build credit for future purposes.
If it was me, I'd just pay cash for a car at 5k or so and use the other 5k to save up for a better car. You'd be surprised how enjoyable it is to be able to go to a car dealership a few years from now and pay cash for a 20k car :D
How many 3s in 313433535333?
What is 8.275 rounded to the nearest ounce?
How many zeros is in a ton?
What teaches without talking?
What number is halfway between 5.3 and 5.4?
When Beowulf confronts Grendel what is Grendel suprised about?
Which of the following is not a sustainable form or energy production?
Where is the origin of the Panama hat?
Have you ever crashed a wedding or had your wedding crashed, if so what happened?
How many times did Joe Biden run for president?
What is the world’s oldest soft drink?
How many novels did Charles Dickens write?
What do the colors on America's flag mean?
How did Harry Houdini come up with his stage name?
What is modal fabric?
What helps you manage folders stored in various locations on a computer or divce?
Accountancy is necessary while auditing is a luxury comment?
Why does William Gaminara limp?
What are advantages and disadvantages of micro planning?
BA-28 which is a recommended water-skiing safety practice?
What is the explanation for full purse makes the mouth to speak?
What is two thirds of 5000?