Auto financing?
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Sorry, but that's just the way it works in the world of Special Finance.
Auto financing?You are going to have a difficult time. Bankruptcy means that you in most cases have not paid your debts and did not manage your finances correctly.At least that is the conventional wisdom. Bankruptcy stays on your record for eight years Someone with that record and a 555 credit score is considered a very poor risk. Those are the reasons for your problem.
You very well may not be able to secure a loan and if you can the interest rate will be high. It is particularly difficult now to obtain loans with a poor credit history.
You should try a number of different creditors. Look at your local newspapers and on the internet. Look for the advertisements that seem to claim that they accept anyone regardless of credit history or those that say no credit checks.
You are on your way to obtaining better credit rating. It has been three years. Do not give up and keep on doing the right things. Pay your bills on time. Go to a bank, open an account for a few hundred dollars and take a passbook loan. Pay it back within a few weeks. The interest for this short period of time is minimal as long as there is no prepayment penalty. Repeat this procedure several times a year and your credit will improve.
Good luck. I can see how important the truck is to you and your son.
Auto financing?Do you really think 14 grand for a truck with more than 100K miles is a good idea with your serious credit issues? Buy one for 5 grand so the payments will be made on time and improve your score.
Auto financing?Try E-Loan, they have auto loans for people with bad credit.
Auto financing?If you have paid the CAC loan off then you should be able to get another car loan through them if the dealer you are going through has CAC for a financing source.
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