60% down? Guarunteed. I have a worse report / score than you do, and I threw 30% and had no issue. Interest rate /shrug, get the loan, keep your payments on time and as your derogatory marks age further, it won't be a trouble refinancing if you so desire in the future... especially since you're going to be laughably in the black on the car from a loan to value perspective.
@Revelate wrote:60% down? Guarunteed. I have a worse report / score than you do, and I threw 30% and had no issue. Interest rate /shrug, get the loan, keep your payments on time and as your derogatory marks age further, it won't be a trouble refinancing if you so desire in the future... especially since you're going to be laughably in the black on the car from a loan to value perspective.
+1. Your DP will take care of all their concerns.
@Anonymous wrote:60% downpayment on a $22K car
5% utilization and 1.5 year of on time payments (2 credit cards)
Scores 550s to low 600s , 2-3 Collection and couple of 90day lates from 1.5 ago...
What are my chances?
You won't have a problem, I suggest applying with a lender that you already have a banking relationship with, as they will be more likely to extend you credit on good terms.
FICO 8: 
Goal: Gardening!
Goal: Gardening!