Can't get approved for auto loan

How much of a downpayment were you intending to make? That's not a bad score but remember that lenders are having to tighten up their guidelines. A larger down payment may help you get approved.

I was really trying to put down 2k, 3k max

Well.......I have low credit (598), however, it's climbing again ( thankgoodness). I financed a vehicle through Citifinancial a few years ago. It's a good, used vehicle. I don't know if you're looking for a used or new one. But, just some advice...Citi has been great to work with. You may want to try them. There % rate is a bit higher if your credit is low.

^^Thank you i'll check them out

Your welcome. I'm sure Citifinancial can help you some way. Just look on the computer to see which one is closer to you.

=\ got declined online, I guess I will try and go to a center to see if they can help.

I'm very surprised they denied you. They usually work with those with bad/low credit. I'm sorry about that. Gosh. I hope there is someone who can help you. Please...give me an 'update' if you find someone/company.

Thank You. There's gonna be a cluster of inquiries on my report, but at this point I might as well keep trying, because I need a car now.

I know how you're feeling. 2 years ago, I had barely any credit history at all, so without anything negative, my score was only about 664. Luckily, with 2k down I got financing through Wachovia bank.

Just this last September, I was in a really bad car wreck and my Jeep was totaled. I was horrified because even though I still have nothing negative on my credit history, my score has dropped to about 590 because in those 2 years, I have foolishly incurred almost 30k in revolving debt just by grabbing every credit line that was dangled in front of me and running them up on wasteful things. Anyway, with that working against me and the fact that this was the worst time in recent decades to rely on credit for a big ticket purchase, I thought I was in a lot of trouble. Sure enough, more than 9 different credit establishments turned me down. The only one who would finance me was...dun dun, Wachovia bank, who had financed my previous purchase and was, in fact, in the process of receiving a settlement check from my insurance company for "their" wrecked vehicle.

I think THE ONLY reason Wachovia financed me again was because I had a 2 year payment history with them of full, on-time payments. I'm so glad that no matter how I struggled with payday loans, bad installment loans, and my ever-growing debt, I always made sure that my car payment was right on time. Otherwise, I'm pretty sure I would still be without a car at this moment. However, they did knock me upside the head a bit. The original Jeep they financed at 9.9% for me 2 years ago. Now, 2 years later, even though I was current with them and a customer in good standing, they set my apr at 16.9% Just goes to show you how much the size of your debt and the current recession affects lenders and borrowers.

But I'm sorry, that little story doesn't really help you out :) I have never worked with them personally, nor known anyone who has, but what about that company that does all the commercials on TV about being the last hope for those looking for a car loan?

You can apply on their website:

http://www.barnonefinance.com/

Good luck! Please keep us updated![/url]

I've got incredibly shot credit, a company called Reliable Auto Finance took me under wing tho at a 25% interest rate, they're out of Michigan, may be worth a try

Yow!!! 25% interest is robbery!!!!

rush0 give RoadLoans a shot.

Sometimes credit unions will finance you when other places won't. The key to that is making it your main account - having a direct deposit go in. Many times they are more willing to work with people than banks are.

Everytime a dealer or credit agency runs your credit your score drops a few points

there is one place in city of inglewood ,AUTO PALACE ShOW
they are so nice and friendly i got my car from that place .if you have 20% down you will getting approve with them .check with them thire address is:10504 hawthorne blveinglewood ca 90304
310-412-0161

Hi,

You Can Apply For Personal Loans Here! 90% Will accept you! I have got mine from here! I applyed for CashNetUsa got accepted 1 day.

creditloansregister.com

M&T seems reasonable