Please help me get an auto loan for my family

[snowwake8]

Hello,

I am in need of purchasing a vehicle for myself, wife, and 2 young kids.  The vehicle we are looking to get costs between 15-16k and we have 3k to put down.  So I will be looking to finance approx. 12-13k.

My credit scores are:

TU - 592

EQ - 581

EX - 611

I have been working on my credit and worked it from low 500's up to where it is now in the last 2 years.  Negotiating and paying off bad debt.  I am down to only about $1,000 in debt including my credit cards, which are all fairly new.

Orchard Bank just raised my limit from $300 to $400 this month. ($150 balance but my credit report is behind on reporting this)  I've had card for 1.5 years

Capital one just raised my limit from $300 to $500 last month. ($200 approx. balance)  I've had card for 6 months

Macy's which is $500 limit. ($50 balance)  I've had card for 3 months

I understand I am not going to get a GREAT interest reate, more likely around 15% or so.  I would like a 72 month loan preferably to keep our monthly payment down but 60 month would be ok too.  Preferably keeping my monthly payment between $250-$300.

What do you recommend?  I applied at my credit union BECU and they denied me about 2 weeks ago.

One last note I have about 10-12 hard credit inquires in the past 2 years.

Thank you so much for helping.

[snowwake8]

I'd like to add I have just paid off a lot of stuff.  In the past 2 months.  So I saw a 30 point jump in the last 2 months in my credit score.  My reasoning for being denied at credit union was too new of credit and recent collection accounts.  But they are paid off now.

I have 100% on time payments on my credit cards.

[snowwake8]

Oh jeez sorry one last thing.  I would really prefer to get a loan from a bank/lender and buy from private party or maybe a dealership.  I don't want to deal with dealerships loans.  Please.

[FrugalRican]

Where did you get those scores from?

[snowwake8]

Right from my credit report, pulled 2 weeks ago.

[FrugalRican]

Where did you get your credit report from? This is important to know because it determines whether those scores you posted are a FAKO or a FICO and that could make a world of a difference.

If it was straight from your credit report, I'm going to go ahead and believe they are FAKOs, since you can't purchase an Experian FICO score from anywhere.

[snowwake8]

ScoreSense.com  here. I will pay and have myfico do my report right now.  Please give me a little time.  

[FrugalRican]

Take your time

Even if you only get your Equifax FICO score from here, it'll give you a better and clearer and much more secure picture of where you might stand.

[snowwake8]

ok I just pulled my EQ credit score right now and paid the $19.99 and it is 629.

What do you recommend?

[snowwake8]

In doing this I just realized the 1 negative mark on my EQ score is $647 and I paid that about a month ago.  It's been paid off.