Ive been working on my score and have brought it up 100 points in the last year 490 to 596. A local credit union pulled my experian score today and it was 596. I'm trying desperatly to buy a used truck from a dealer for $8900. It is a 2001 ford f250 diesel 4wd with 144xxx miles, bluebook is $13,000. I have $2500 down payment. The dealership has only been able to get me approved with a cosigner. I have no one to cosign for me. I have not been able to get a loan anywhere I have tried because they say the vehicle is too old with too high miles. Ive tried USAA, Wells Fargo, local credit unions, even some online places. I dont mind a 20% apr as I can refinance in another 6-8 months with a higher credit score. Can anyone recommend a place that will finance me for $6500-7000? A problem I am running into is that I recently started my own business 3 months ago. My previous employment was for more than 2 years.
Any suggestions besides finding a cosigner?
