I could use a new car

[Herestohoping19]

So let me try to get all the info needed here I was looking to trade up my current vehicle which I have 2 years left to pay off but about 6000 in equity due to a hefty up front payment on my last loan due to subprime category since I was in the low 500’s and had a voluntary repossession extenuating circumstance in 2014 unimportant to this I believe. I have never missed a payment on my current loan for 2 years as well as 100 percent payment history on my ten cards util. Slightly higher this month at 33% but that is unusual my fico auto scores 5,4 and 2 show
A 643, 639 and 627 while fico auto 8 shows
617, 628, 586 I do have a few medical collections I’ve been saving up to deal with and quite a few inquiries I’ve been at my current employer going on a couple years and previous employer was 6 years income about 45k right now I’m hoping for a loan after trade and 2000 down payment of 20k is it worth trying or waiting also I live in ny and do not know what scores they pull where

Sorry for the length of the post wanted to make sure I covered all pertinent information.

[Anonymous]

I have a similar credit profike to yours and I’ve found it useful to use capital ones pre qualification. There isn’t a hard pull and it will give you a rough idea of how much you can qualify for and at what rate. Lowest I was able to get through then was 8%

[Herestohoping19]

Thanks for the help I’ll check it out for sure I appreciate the response.

[Anonymous]

How did it go op

[Herestohoping19]

Got pre approved from capital one not sure my rate yet had to submit my pay stub separately so just waiting to hear back

[Anonymous]

What you can do is search for your car when you log in to see your preapproval for the specific car you want and it will tell you what rate or if you need to put anything down