Cap one auto

[mamahearts]

So I checked my credit report. It matches up with what Credit Karma shows for my accounts.
I have 3 collections accounts that are as new as a year ago and as old as 6 years ago. I know I already took the hit to my score. But I'm anxious to apply with Cap 1 to see if I prequalify but I'm worried about those collections. Should I pay them before I apply?
My scores are 630 and 629 on CK
Almost 2 years at my current employer
AaofA 8 yr 9 no
3 collection a ccts
3 credit cards ( 2 have high uti, other is low)
4 student loan a ccts
0 missed payments on any of my a ccts
Income 24000
My cap one payment is $50 (paying slightly more than min)
Amazon pyt is $80
Lowes card is $24
Student loan put starting in Aug $165
Mortgage in spouse's name
I have a trade on that I used several local dealer's trade in calculators to check value. Range from instant cash $586 to nada $900.
I can put $500 down if that'll help.
How am I looking?

[enjoimorenow]

you can use the cap one auto navigator to do a SP pre qual.  I'd say do that and see what comes back.  The high uti will hurt you, so if you can pay the cards down that's what I would focus on.