What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo

I make about $3300 monthly gross. Do I have a decent chance of getting a car loan of about $25k at a decent rate? If so, what rate should I expect?

What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo?

You won't get a loan for that much. With the bankruptcy and a repo I'd be shocked if you get approved for anything. No offense, but you've proven you can't handle paying it back.

What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo?

Auto Loan Guide: http://autoloans.autoloanassis... Report It

What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo?

I just had the same issue.My salary is not quite as high as yours.I ended up buying a used car from an individual.Sallie Mae Financial was the only one to give me a chance.The dealer said the bankruptcy hurt my chances for a new car.For a 17k Honda Civic it would require a down payment of 5k. So try looking for a used one until you build your credit back up.Good luck.

What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo?

Beware of Advance fee Loan scams.

http://www.ftc.gov/bcp/conline/pubs/tmar...

my Advice: Don't deal with anyone from a foreign country and never use

wire transfer services.. you risk losing your $$ and your mind.

www.fraud.org

What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo?

Rate you can expect is credit card rate like 18% or higher.

I've been in sub prime lending for years, and you are considered a high risk. You can get the car even with the bankruptcy, and repo. The reasoning there is you don't owe anyone else.

The high rate is the price you pay for the low credit score. You can build that back up as long as you make the payments.

My advice is to get a cheaper car first, build back your credit, then get the $25k car.

What are my chances of getting an auto loan with 630 credit score, bankruptcy a year ago, and a repo?

If the repo was BEFORE the bankruptcy shouldn't be much of a problem, expect to pay 18%. If the repo was AFTER the Bankruptcy your chances are 1 in a 100