I already applied and was approved for capital one at 3.75%-12% but the issue is they do not finance the exact car I want. We need a ford transit 350 passenger for our large family and can only afford a 2015 used ford transit. They consider it a commercial vehicle which is odd becasue they will finance a 2015 new ford transit 350 wagon and they will finance ford e350 passenger wagons but the customer service rep said as inconsistent as it is that is what they will do. Though if we cannot get a transit financed elsewhere we do have a few e350s that get us around 5-8% with capitol one. My local CU approved at 14% which puts us over our comfortable payment. Where else would be good to apply with fairly low scores? High 500s-low 600s, lots of past lates but multiple paid as promised car loans that have been paid off.
