Cant get a car loan!

[CJIII29]

I have four unsecured credit cards  I got a Chase Slate 1500 credit limit, Discover it card 1500 credit limit, Best Buy Credit Card $2200 Limit, Amazon Credit Limit of $2100. I also have credit with PayPal for $500 and I still have first credit with Capital One of $500. But I am still not getting into a used car loan, I make $9.98 and hour and I bring home $623 every two weeks My credit score is around 680 to 710, I have 25 credit inquires on credit report I dont know if thats a problem or not most of the inquires come from applying for auto loans.

[StartingOver10]

Is this your first vehicle loan?

You give an hourly rate for your income but you don't give the # of hours you work weekly. What is your gross pay per month?  How long have you been working at your job?

Who have you applied to for a loan? What did their written denial say?

[CJIII29]

My gross is $1596.0, yes this is my first vehicle loan. I work for the city of Montgomery, I quit last December but I just started back to work for them in April I was with the city from 2013 to 2014 the first time.

[CJIII29]

It said to many iquiries and no installment loan history, But I had borrow a $1000 secured loan from the credit union I am a member of. My local dealerships says I dont make enough money.

[Dj4Money]

 What dealership says you don't make enough?

 It's much easier to get a new car, used car sales don't help dealerships get bonuses from OEM's.

 How much do you have to put down? It doesn't have to be much, $500-$1000 should be enough.

 Have you tried Capital One, DCU or Hughes' First Time Buyer Program? Hughes' program requires 15% down however.

 You should be able to get a car loan for $20,000 or less. Ford also has a FIrst Time buyer program. 

[CJIII29]

The local Dodge and Chevy dealership.

[Pway]

I would go with Ford, they are much easier to get a car loan with than Chrysler and GM.  I also read in books that Ford has easier financing than the others.

[CJIII29]

I might try outside my city. I will also kept saving my downpayment.

[Anonymous]

Since you have good FICO scores, i strongly recommend going for a BRAND NEW CAR. 

Since you already have 23+ inquiries adding another 6-8 to it within a short period is not so bad.unless you have aspirations of getting more credit.

I bought a brand new 2015 chevy equinox LS with nearly your scores and $20k financing at 3.99% for 72mos. I was adamant that my income was all commissions only and that i showed him my 655 TU Fico Auto Score and told him i have been in business many many years and that i want you to not apply with captive lender GM financial but find a bank or credit union and use only one bureau. 15 minutes later he found 3.99% for 72 mos. No biggie.

they care that you are HAPPY CUSTOMER and HAVE BRAGGING RIGHTS TO SAYING" we did all we could to put you in a brand new car.?"

its just not the same with a USED CAR . 

[Dj4Money]

 Apply with DCU....  I am positive with your high EQ scores you'll get enough to get the car you want and have a low interest rate. Only captives would beat it and it's up to you if you want to take it.