I will be looking for a car loan--preferably for a new car or one nmoe more than 2 years old with very low miles. Here's my situation: I currently own a car (paid off) and also have a personal company vehicle. I am about to change jobs where I will no longer have a company vehicle but will be using my personal vehicle extensively for business. Because my current vehicle has almost 90,000 miles on it, I want to sell it now and use cash for a down payment on a new vehicle. I've done some research and if I sell it privately, can get about $3000 for it. I'm hoping to get a loan of about 17,000 and would be willing to go with a 5 year loan and perhaps re-finance after a year or 2. My credit isn't very good--it's pretty damn bad but even in saying that, it's better than it was a few years ago. I have 3 credit cards--one of which is secured with DMB. The other is through Orchard and UCNB-which is now owned by Househould as is Orchard. I have a PERFECT record with All of them. I've had the UCNB since 1999, DMB for a year (in April), and Orchard for 10 months. My salary has increased substantially from a few years ago as well--I went from 28,000 a year to 45,0000. But I still have a lot of negative items on my CR. I believe I have about 29 negative entries and 4 positive ones. None of the negatives are recent--they are all at least 3 years old. I have retained Lexington to assist but it's only been a couple of months. I really need a new car for this job--what are my chances of getting a loan? I just (today) completed an online application with Lending Tree. Don't know much about them. I've also thought about applying online with Auto Credit Finders. Anyone know anything about them? I was so stupid and irresponsible in the past with my credit and now I'm definitely paying for it! But in the last 3-4 years, I've been soooooo responsible! I thought it would get easier! Can anyone please help me with some good advise or insight? All and any are welcome! Thank you!