Honestly you are in no position to add another loan to your credit report (I would be surprised if you could get one at all with any company other than at a predatory rate (20%+). The reason being that you currently have 5 maxed out credit cards and 3 installment loans already reporting almost no headway on the repayment (the powers that be look at this). I think that adds up to just about $6,000 in debt and $36,000 in income for a debt to income ratio of about 17% before other bills, and you weren't clear about if you were still making payments on your truck. Add several late payments over the last year or so, and it just doesn't look promising.
I would recommend aggressively paying down all of the open CC/loans you have now, and maybe even sell the truck and by a way cheaper vehicle (no loan) to free up more cash to do so. Doing this should show a significant bump to your scores, putting you in the position to finance a newer vehicle down the road.
I know this sounds harsh, but you aren't doing yourself any favors by adding more debt to your current situation.
