I am back. I am the 22yr. old with un paid chargeoffs and a judgment due to ex-boyfriend. I now have another question. I am wondering if I can get approved for an auto loan in Dec. of this year. My unpaid chargeoffs will be at least six months old. My judgment will be paid off ( I can show proof to dealer with receipts if my credit report is not updated). My good accounts will be current and paid off. I have two jobs, one for about two years, the other will have been close to a year. My rent should be no more than 650 at month. I make about 30-35k a year and no dependants. Whenever I move this year, it will be a new resident (I know that effects loans) I know that my chargeoffs have to be paid for me to get an auto loan at my credit union. However, will a dealer find financing for me if I explain my situation? I am hoping for 20% APR or less. My old car is running okay now, but I just want to know if I will have the option of getting an auto loan. I heard that the costs of cars are cheaper after August. Thank you in advance.