I'm looking for a car loan. i'm been working for about 8 months now, and i have a steady job. Here's my problem, i ruined my credit when i was in college, i have 5 late payments on discover card, no collection or anything else and my credit cards are maxed out. last time i checked my score from equifax was 584, a friend of mine has agreed to co-sign the loan for me also, but when i called bank one yesterday, i was told that i'm not even qualified for a co-signer because the late payments on my discover card. now i'm really discouraged, i don't want to just walk into a dealer and have them take me for a ride, and i don't know if i should apply for more loans. i called harris bank today and spoke to a loan officer, and i was told that if my debit to income ratio is good, then it can be done. i make 39K a year, and i have 20K in student loan that i've been paying back for 4 months now, and i have 4K in credit card debits. what's the chance of someone getting an auto loan in my situation?