*Loan,banking and credit>>>auto loan

Are auto loans for people with bad credit all a rip-off? how do i know?

Depends what you consider a rip-off. With bad credit, you will pay more in interest fees.

Not necessarily. People with bad credit will get a higher interest rate than people that don't. Instead of 6%, you might be looking at 10% and up.
Car Hop/JD Byrider has in-house financing for people with bad credit and sometimes they have a $100 down payment.
Check around, there are probably car dealerships that have special offers for people with bad credit. In our city, Dodge/Dodge KIA & others have offers like this quite often. But also be warned, they will probably want a large downpayment.

No matter what, bad credit is going to cost you.