Auto Loan Approval Chances?

[fixingmystuff63]

Hi everyone,

I was curious what are my actual chances of getting a good auto loan. Post discharge 2 months I have 2 credit cards right now one with a limit of 2k, I owe $400 on it, and the other is a $1k limit but I haven't activated it yet. I do have a co signer and I applied but my rate coming in for any car is about 10% when I went through the dealer. I have a credit union but haven't tried them as I don't want to keep running mine and the co signer's credit. One credit union THEY submitted me too (not mine) stated they would give me an approval but with 13k down.  Which I do have but I don't want to put so much down. Other banks were straight denials.

Should I wait about a year or so? Any advice would be GREATLY appreciated. Also experian is showing 651.

[Shooting-For-800]

Check Capital One prequal.

GL!

[fixingmystuff63]

I tried Capital One and got denied stating that I had "too many deliquent past or present with Capital One credit obligations" I went to all the three credit bureaus online and requested my credit report, for some reason Transunion marked my account as "Current; Paid or Paying as Agreed" even though it was included in the bankruptcy. The other two showed closed, I went ahead and filed a dispute so I'm hoping that in a month it gets situated and I can an approval with them.