My wife and I just bought a house last month and the day we closed she was laid off. She has since found employment but it is as a 1099 employee. She has only been working for 3 weeks and her pay has been minimal (1st week-$500, 2nd week-$250 and third week-$750)but will increase as time goes on. I make $70K a year but my credit scores are all three in the low-mid 500's and I already have 2 car loans in my name. My wife's scores aren't much better her scores are 575, 585 and 625. Can she qualify on her own for a car loan?