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no recent activity but we got an answer.. even with 65% down it was a NO!!!! believe that 65% down!!!!!! (including trade in) boggles my mind
oh man - sorry to hear that
if she has $20k plus trade in, i think she should be looking at a $15-$19k car - get it now - pay in full or try for a $5k loan - then get another car in the next 2 years if needed, when her scores will support it
and then use the extra $ to payoff that small collection
Having lived in this situation where I often couldn't finance a car, I can't say that I am entirely surprised and definitely a CU would have been a waste of time. Some dealers are better than others at obtaining a lender but please avoid going to a 'second chance lot' as they are both predatory and the vehicles you can get are not worth what you are paying. It is trading problems.
But you also suggest that she has around 20K for a vehicle you mentioned 65% and 30k, if that is the case, then you should have no problem finding something reliable. The used car market is crazy at the moment but I'd still think you can get something reliable that doesnt require a payment.