What are my chances with Lates on auto loan?

[Anonymous]

I'm in the process of rebuilding my credit. I had a rough year last year and the loan department for the credit union with my auto loan set up a payment plan for me. Little did I know I was still being reported late every month. I have 13 Lates total for my car loan. None this year. My goal is to continue to pay on time. Are these Lates going to prevent me from getting a car next year? Or will two years be sufficient gap in between showing on time payments to get qualified?

[Anonymous]

The Lates are all 30 days.

[fury1995]

Not enough information (scores, income etc..)

Best guess..

You will still be approved but not for the best rates. Probably sub-prime through another bank.