We were just in the same situation. Our 99 explorer at 282,000 miles would just not turn over, After we got approve the darn thing started everyday!!!!!

Even though I have had 16 months of payments into my current car loan, and 3 credit cards reporting on my bureau all in good standing no new collections and nothing negative from 2008 to the present, the banks still wanted 2k down, Chase ended up giving us a loan with 3k down.  You need to chop down the risk for them especially with a repo. I could not comprehend how people were coming in without a USA drivers license no proof of income and they were able to drive away in a new car. Meanwhile my husband I bust our humps make a good 150k+ and still have to put 3k down. Just the way your credit report reads. You are a risk to the banks, you lessen the risk by giving your own money into it. Roadloans will take you but you will might be 15%+ interest.