Credit Score: 618
AAoA: 6 yrs
# of positive trade lines: 1 ($1K credit card newly opened)
# of negative trade lines: 1 ($900 judgement)
Lenght of Employment: 1 yr
Previous Loan Experience: 0 first time buyer
Debt-to-Income (DTI): I have no debt outside of the judgement
Year of Car: no choice yet, but want newest
Requested loan term (XX Months): 60 or lease??
Down payment amount: $can put down 1K
Try Cap 1 Auto Navigator prequalifier or DCU
How old is the judgement? That will be something you may be able to explain.
Having a nice down payment always helps.
You may also want to look and see if any manufacturers have a first time buyer program. Hyundai and Ford both come to mind.
Finally, find an experienced auto buyer to help you navigate the process. Family member, friend, just someone who can be your wing man when the negotiations begin.