Probably not through a conventional bank. With a high credit score and established history of on-time payments, most banks don't care what your income is. If your credit is poor, they will likely need to see at least $25-30000 per year in gross income, PLUS proof of income, residency, etc. However, if you have $1800 down, and can find an '03 or newer vehicle with low miles that you can buy for less than $10000 and is an absolute STEAL to begin with (meaning that the dealer is selling it at left-side, or wholesale value, of NADA), and your credit score is predominantly low because of a high debt-to-income ratio or credit problems from a couple years ago, they might extend you credit anyways (if you don't pay, they can pop the car, take it to the auction, and make money on it, so the element of risk isn't the same). If you can't get approved that route, you may want to try a subprime lender or a "buy-here, pay-here" dealership that will finance anyone as long as they have a stable employment history and sufficient money down. |