Any hope of getting an auto loan with a decent APR?

[Anonymous]

Any hope of getting an auto loan with a decent APR??
Looking to get an auto loan. I'm in NJ and only have $1000 down. I would also need to roll in $2000 from my current car as a trade. EX 631 EQ 611 TU 619...

[Appleman]

Not enough information to have an opinion.

[Anonymous]

Income: 48,000
DTI: 35%
Oldest credit- 6 years
Utilization - 66% (working on paying everything down)
1 collections account that I just paid and is due to be deleted
1 charge off from about 3 years ago
Current car payment that is up to date with a few 30 days late from last year
No morrgage or rent - own my house outright

[Anonymous]

Utility is high, but bringing that down will give your scores a boost. Try a local CU, or DCU; they are awesome with APRs even if scores aren't that great

[Appleman]

Having a few 30 day lates will likely increase your APR. Not sure where it will land you unfortunately.