Fuck banks. Credit unions all the way. I'm a member of the CU that Tim mentioned, as well as one located in the Cities here. I've gotten loans from them both with less than perfect credit with zero hassle. Depending on where you live you can get into almost any credit union.
Here are some links, check them out:
www.sourceonecu.com - The one I'm a member of, can get in if you live or work in their selected area.
www.tcuconnect.com - Pretty wide open membership requirements.
www.hometowncu.coop - The CU in Owatonna, been a member there for many years. Use for comparison.