Without show your report, and look at your score alone.Your change are 90%,but 90% walk home.You have to list your reported like CA,CO,Credit card,down payment,ect then someone can tell you,the way you listed it out like a kid trying to play bingo
Your credit score APR around 13-18.9 .Income is good if car loan paid off without any late I guess your auto score is much higher than your fico score.Down payment 5k on 35k is around 16% down payment is fair.if you could hold up your loan and try to open secured CC or you can try capital one CC with fair credit I believe you get approved for unsecured credit and limit around 400 to 1k, try to used credit fot six months or more then you have a better chance.Or if you in hurry then you need to look for any credit union near you.Small credit union always better in your situation. You can call and ask dealer if they used auto score or fico score. Your chance with auto score are 80%. Your chance with fico score 50%. Talk to credit union provice auto loan is 70%. But APR varied aroud 10-18.9
Again I saw someone approved for auto loan aftet fresh out of bankruptcy. Capital one is the one BK friendly. And most of credit union do
That's why we recomend you go to CU to get pre-approved on your hand first before you head to dealer. If dealer can't get you approved for it then you have CU financed back you up.BMW dealer they used fico score. i financed at BMW before and the Finance manager he told me they used Fico score and they pulled all 3.