A follow up to my previous post. I was approved through Capital One for a loan up to $32k at 6.9% I thought that was pretty good since my credit score was 613 when I applied. I decided on a Hyundai Tucson. The dealership was able to get me approved through Hyundai Motor Finance with a 4% interest rate! My next goal is to continue to work to  get my scores back in the 700's!