Sounds like you are looking at Credit Karma scores. Get your real FICO scores and look at the auto scores.
Credit Kama at times has been 100 points higher or lower than my actual FICO 8 scores.
If I am reading this correctly you are looking to finance a $62,000 car that after trade in and down payment your loan would be about $32,000.
So finacing only about 50% of the 62,000 should help.
I would try a credit union like DCU. 1 hard pull of Equifax Mortgage Score to join and any loans you apply for within IDK 30 days maybe longer.
Have you tried prequalifying on Capital One Auto first? That will give you a good idea on what interest rate you might get. If you don’t qualify, I would wait until the 6 month mark to get your credit score and then pull a full 3 bureau credit report & scores. You can get some free trial ones or you can pay. After that, try DCU. They give auto loans for limited history like yours. There are many other factors that are important to consider though, like your income, DTI, how many other credit cards you have, etc. You should also try to put down a bigger down payment (like 20%).