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No. of Recommendations: 5
My 2 cents....

Stop trying to finance a depreciating asset! This kind of thinking is what got you trouble the first time.

You are asking if someone is going to finance you. You aren't asking the right question. Someone will finance you. The question is at what terms?

The answer is going to be "bad terms". You will really be taking it in the shorts again. You are planning to pay way too much in order to finance a depreciating asset. You are going to have to run around grovelling for credit and paying way too much for both the credit and the car.

Instead, save up as much as you can and pay cash for a decent used car, even if you only keep it for 6 months while you save up for a better car. The car sellers should be kissing your feet to buy their car, not the other way around.

Since you've discharged everything, bite the bullet for a couple more months and save as much as you can. Then buy a more reliable used car. Drive that for 6 months to a year while you stick as much of that new bigger paycheck away towards a car payment. Then go and buy your car. You will have whatever car you want and you will have the leverage to negotiate one hell of deal on it.

AND... when it is all done, you get to drive to work in a nice car that you don't have payments on. Won't you be the envy the hospital staff?

I mean you've come this far. Might as well do things right this time.
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