Hmm, that FirstAgain sounds almost too good to be true. I checked out their website, and it says "Unfortunately, due to economic forces beyond our control, FirstAgain is presently unable to accept new loan applications" on their main page. That would be pretty cool to get a loan for a car and hold the title free and clear.
The NavyFCU looks like they might finance older cars, but it says "If vehicle older than 7 model years, subject to tangible collateral rate" which would be on top of 6-7% interest. But, if they are one of the few who will finance, then perhaps it is the only option in this economy.
Thanks for the info, I will do further research.