She should check out KIA if she makes 250 or more a week they guarantee financing. My car broke down the other day spoke to KIA today going to look into buying a used car from them. I did some research those buy here pay here are huge ripoffs.

Ahh captain-save-a-ho. If it was a man we wouldn't be doing jack shit exept for telling him to get a job, but cause she has a sometimes wet hole we want to help her.

Actually...not so much. But we do want to discuss it!

Um, pretty much not. But thanks for playing.

Once more, I don't disagree.

Can a 590 really get a car loan, because that's where I'm at. Almost all of my bad credit comes from struggling to pay off my college loans (went through a period of shitty paying jobs and couldn't afford the nearly $600/mo in payments) and not having any other credit. I'm going to need a car, I could afford the higher interest payments but I'd rather pay 7% interest than 20%

Yes, it will likely be from a sub prime lender, and not EVERY 590 can get a car loan, as there is more that goes into it than just a score.

Bring everything you can to the table, money down especially. Time on job, low debt to income, not a boatload of debt, good payment history with at least 1 lender, even if you have missed other payments. Any/all of these things will help you get bought. You also need to pick the right car, consider things like a total cost of 10k or less, but something with decent miles. You might have to buy a 60k mile cobalt or Focus or something, with not alot of options, but its about the bank being secure, and they like newer cars with lower miles better.

Like I said, I have seen scores in the 400s bought before under the right circumstances.

something with between 50k and 100k made in the last 8 or so years is what I would like if it's reliable. how much does income play into the loan decision, because (not wanting to brag) I make good money (about $18.50/hr). i don't have any repos or leins or bankruptcies, just not much credit and what I do have ain't so good. all of my debt comes from my student loans, but there is a lot of it (around 50k total).

Well debt to income can be a deal breaker in some cases. When I bank looks at your DTI they look at your current monthly outgo versus your gross income. If your making 18.50 your making roughly 3330 a month (x40/x4.5) Your monthly bills (this includes things like your rent, and any debt payments not things like your electric bill etc) determine your DTI. All banks have different debt to income requirements but the lower the better obviously. You can't forget that they will also look at the new incoming car payment when determining loan factors too, so that goes back to choosing the right car (right year to get an acceptable term/payment option) There are lots of things that go into that loan decision like I mentioned before. Banks have different combinations which work for them, but basically they look at DTI, Score, total debt, and some banks things like time on job or time at address. They then assign you a tier based on that score, and what tier you end up in decides what kind/amount of loan you can get, if any.

cool thanks, that clears a lot of things up for me.

Down Payment will also help you greatly. That is why I said the OP lady can't even use BHPH. Most likely a BHPH will require at least $1000 down. Down payment will put you into a better equity position so the bank won't be at as much risk...thereby increasing the desire to lend.