Big down payment 612 score

[Anonymous]

Hi everyone.   Currently my FICO8 is 612.  I have a collection i negotiated for a PFD that will come off this next reporting period.  My husband also added me as an authorized user on his account so I should gain a few points there as well.   I have a repo from honda from 2015 that wont fall off until 2022.  Ive tried PFD but no dice so it just shows as paid now.  I have 3 auto loans that were all paid on time but the loans were for 20K.  

I have about 50K dollars that I can use as for a down payment and I really want to surprise him with a new truck.   I dont WANT to put that much down but with my score im not sure.    The trucks 78k out the door. 

What do you guys think my chances are??

[DaveInAZ]

Check Capital One Auto Navigator and see what they offer. It's a "soft pull", won't affect your score. And try different down payments, you shouldn't need to put $50k down on a $78k truck even with your credit problems, and it's always good to have a nest egg for a rainy day, especially with all that's going on with the economy these days. $10k-$20k down should be enough. But use the Capital One offer as a guide for what you can get for a loan, they're often not the best rate, they offered me 5.99% in 2017, I got 2.99% on my own. If you let the dealer see what they can get for you tell him firmly you do not want them to pull your credit 10+ times shopping around for loans, they should have 1-2 lenders they know will finance you.