Hello all!
The rundown: all scores around 650, all auto scores around 680. My scores are in a rebuilding phase only because of medical bills that I was able to recently pay, clear and get removed (yay!). I currently still owe 8k on a hyundai vehicle financed at 0% over 60 mos (Thanks to my sweet mom who cosigned in 2013).
I would like to get into another hyundai vehicle, I need to really my kids don't fit in my dang veloster anymore. I'm looking at spending around 34K by the time it's all said and done. I am also not entirely certain I should trade in my veloster since I can easily swing both payments as long as I get approved. I am nervous about getting approved though, I don't know why really- I have no late payments on my auto loan.
I have been super stressed through the buying process and all the dealers are feeding me lines. I'm really tired of talking to any of them at this point and I haven't yet let any of them run my credit. I don't plan to do so until I am 100% certain of my plan. Any thoughts, advice, etc.? Help me get my head straight! 
Update: Just got approved through penfed for the vehicle I want, terms I want and a decent APR all things considered. I can't seem to decide whether or not to trade in the dang veloster. I always just feel bad giving up a car. My dad was always of the mind that you pay a car off and keep it- it always comes in handy.
Congrats on the approval!!!! How much do you owe on the Veloster?
Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX