With your credit and the down payment you will eventually find someone that will finance you, specially if self-employed (in my area dealers like to deal with self-employed since it is easier to lie/justify inflated income). The question should be can you afford the car currently? You are looking at over $900 monthly on a 72 month loan not counting insurance, gas, maintenance, etc. This to me sounds like a free trip to bad credit land. I would buy a cheaper car if I were you.