Thank you for all your helpful replies.
The car is a 2005, so it's not too old. I asked BOA about a loan for it and they quickly said they don't finance cars over 100K miles. Really they are the only ones I asked. I did not know that my score would drop by having high credit card debt, thanks for the heads up. I guess I will try to find a lender who is willing to look over the miles on the car.
Anyone recommend a good lender that may be able to finance such a car?
Thank you again.
I just bought a 99 suburban as a third car with 150k miles and my credit union didn't have any probs with the miles... but it was only 4k.