OP, are you dead-set on a pickup truck, or would an SUV work for you? I had a similar budget, but less income and I was able to find several Ford Escape's (4WD and all) for less than 10k and less than 100k miles. Just a suggestion--I love my Escape! I even managed to snag a 2008, fully loaded with a towing package. 75k for 11.5. YOu probably are, but if you haven't, definitely utilize cars.com and cargurus. Very easy to narrow parameters based on price and options, and find deals near you. Plus you can even estimate monthly payments with cars.com and see how good of a deal you are getting with cargurus. You may have to settle for some sacrifices to get something new enough in your price range to get an approval for that long of a term. Good luck!
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