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You may stand a chance of approval through a credit union with those scores.Plus, having an auto loan in good standing will help. I was approved through my credit union even though I had a repo from 2005 showing on my reports. They pulled TU-635 (my lowest score). I had to put 20% down though. Still, I think I got a somewhat decent rate of 8.8%
Those online places wanted to charge me anywhere form 13-19%, and think I got an awesome deal compared to these rates from my credit union!
Good Luck