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The issue is being denied credit (and thus delaying recovery of the credit score even further). Tough to evaluate the probability of that w/o knowing the current score &past credit issues (CC debt written off? Collection still outstanding? etc). So I'd recommend pulling a credit score off all 3 bureaus and going from there. D/k if the free once-a-year report let you see the score these days, but I'm sure there are ways to get those for cheap. In general, if one has a steady job with lots of income left over after necessities to comfortably afford a car payment and puts down a significant downpayment, interest rate shouldn't be too bad on a loan that's secured with collateral (car).
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