You can certainly get approved with those scores... you may not get the best rate, but you can certainly get an approval.
The charge off will count as recent serious derogatory plus their is probably late/ missed payments on the auto loan account.When you apply for a new auto loan they will use an auto enhanced credit score that may not be a Fico score.Which means any negative information on a past auto loan account will count more within their credit score model and will affect your credit score more than say if applied as an example for a credit card. They will use a credit card enhanced credit score model,I hope this helps.
I have a couple of 30-day late payments on a Toyota Financial loan back in 2014 and 2012. I'm sure this caused my FICO Auto-enhanced scores to drop, but not my much. As with other derogatories, they have less and less impact on scores as they age. And this certainly didn't affect my ability to get approved for the best rates this winter. Good luck!