580 refi

[azguy13]

Here's the situation. 

My step brother's credit is somewhere between a 580-620 FAKO (I know, big difference). He currently owes $9,000 on his truck and is paying about 21% to Wells Fargo. I have not seen his report and not seen the details of his auto loan. With the limited info given here, I need the Auto Gurus (Im more of a CC/rebuilding kinda guy) to come together and give me some ideas for somewhere to refi (if he can). He has collections from a few non-auto debt and has no lates on current or previous installment loans. 

Not sure about DTI

Any Ideas? I'm not sure if DCU goes that low. He is a member of a local CU who denied a refi awhile back.

[Remember0]

DCU isn't going to go that low. Also yeah, FAKO is useless have him pull his FICO.

How much is his truck worth NADA Retail?

That seems like a really low score for just a few collections? Does he have no active credit cards or something? We really need a full profile credit and income wise to really help imo. Otherwise I'll mention some lenders who do subprime: Roadloans, NFCU (if he qualifies for membership), Cap One.