Hindsight is 20/20. But its a shame you didn't worry about this BEFORE you bought the house. I can sure relate to not having enough money.
You might consider leasing a car. But leasing through car dealers is going to cost a lot. I don't know if any companies lease LESS new cars or not.
Some small car sales lots can finance you and might be able to even if one has bad credit. I did that once. Worked out fine. That ugly old car lived for me another 5 years before I traded it for something newer and better.