My credit isn't great with a score of 480, I need an auto loan that doent direct me to dealerships with certain cars to pick from, is there a bank that will give me the amount I need allowing me to pick out my own car where ever find one? The cars I look at are not at the dealership.

Unlikely. Your best bet is a deal with finance co relationship. But to get preapproved for a private loan? Its not likely with your score.

Slim to none. I would doubt you may even get a loan from any place besides a buy here/ pay here at that point