Approval chances? (Florida)

[Dchosen1]

Hello all. Thinking of trading my 2 door sports car for a bigger car (family growing). Below is a basic picture of my credit situation. I live in South Florida. Any help is greatly appreciated.

Current myFico Scores:
EX Fico 8: 638
EX Auto 8: 610

EQ Fico 8: 637
EQ Auto 8: 632

TU: 655

Over util is about 70%, total open credit is about $12,000.

Looking for loan for used car priced around $12,000 to $14,000

My monthly income is over $6k

I do have one auto repo on my credit from GM Financial, date of last activity 11/2011. Last reported to CRAs 2/2015. (i plan to settle this soon, but need to get into a new auto first).

[Anonymous]

That 70% until needs to come down under30%. Dealership with upto 10%interest rate is most likely what you will get with 2011 repo even if you paid it off. 

This is is for new cars only

[Anonymous]

Yeah, thinking the same.  You might have to start off with a higher apr & pay for a couple of years & then go for a decent apr.  I live in the Tampa Bay area.