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BlsdMama

Going to be able to do this?

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Up until three years ago we had all credit cleaned up - looked so pretty.  We hit a nasty medical wall (I was diagnosed with Lyme by one doctor and motor neuron disease by another, sought a second opinion with Mayo) and had bills out of our ears.  Stopped paying absolutely everything to do medical.  We're getting a good handle on everything meaning: We've settled on all major accounts and paid or settled on almost all minor accounts.  Had several judgements.
The mortgage was late a few times and we brought it current.
The auto loans were late a few times.  One is now paid off.  The other is current and we owe $800 on it total.
Good income (His, I can no longer work.) - $100k
Two current and revolving cards that we've never been late on (both Citi.)

But, because we've had judgements and very recently settled several accounts, the current score is 510.  That's a FICO.  Ouch.

So, the question becomes can we get an auto loan? His truck is dead.  The car is 1999 and though we love it, dependable isn't the word I'd use.  The van is good but not a daily driver and we're going to need to get it modified for a wheelchair.

And do we just hit the dealership?  What are those rates going to look like?  We're looking at a used car, ideally $8k range, $1k down.

 

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You will be able to get approved since there is a visible auto payment history on file according to your post.   You may need something closer to $2,000.00 for a down payment.  That's a SWAG on the downpayment. 

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