Can I get an auto loan with my situation?

I filed bankruptcy a while back due to my husband passing away and leaving me highly in debt. I've worked at a fast food restaurant for 19 years, I've lived at my current residence for 2 years, i have a home loan for my house. I make $11 an hour working 16 hours a week, I get also $757 a month. My credit score is 625. But I currently owe 4,900 on a piece of junk car that the dealership will only give me 1800 on, the car I'm wanting is a Ford Focus 2014 with 33,**** miles on it for $13,920. Is there any chance I'll get it? Also what would happen to the balance I owe on my old car?

Yes, there are car dealerships that give loans to people in debt. You might want to talk to a credit union first. They want your business and they will give you a better deal. Arrange the financing ahead of time and then go to the car dealership and don't tell them you already have a loan approved by the credit union. Make the best deal you can with the car dealership and then when the car purchase is agreed upon, then tell them you already have your own car loan. They can't change the deal after that. As far as the money you owe on your current car, you can get some money on trading it in but some of the money owed will be added to the total loan for the new car. But shop around, and I think you can get good terms. You have a job and your credit score is good.

Sorry an almost new car sounds a bit too expensive for a min wage worker. I can't guess about your loan chances, cars last longer than they once did, getting one with 50.000 still might be good for several years.

I doubt it very much. The main problem is that whatever happens you still have to pay the 3,100. You get about 1,500 a month. You need to sit down and work out exactly how much you pay a month for all your bills and running costs for the car and house including food. You deduct that from the 1,500 and what is left is what they call"Disposable Income" this is what they use to work out what sort of loan you can get

Andy C

Sorry u seriously should not go deeper into debt payment slavery for cars.
smarter move is a library card to learn how to keep your piece of junk car running longer.
Library can help you learn how to get educated for better paying jobs careers locally.
Library can help you learn about money and debt so you don't get screwed any more.
Visit KBB.com and NADA.com to learn what the real world private sale value of
your POjunk is worth.
probably 2 times dealers offering.
these sites can tell you actual market cost of car you trying to buy.
With library card you can learn how to buy good used mechanically safe solid cars for under 4000$ cash.
getting car loan now means you don't have a clue about money. Library can help you.
contact local charities for mechanics who donated their time and effort working on poor people cars.
start in Library not loan slavery

This sounds a bit more than your finances will allow at this time. You still owe the old loan as well.

Have you ever stopped to consider how many hours you will have to work at $11 to pay off that new car? Keep the old car or buy a cheap used car that you can actually afford. You might be able to find a shady dealership who will sell to you on credit but you'll pay interest through the a s s and end up paying $20k for your car, and it'll probably break down before you finish paying it off.

A recent BK will make ANY reasonable loan impossible, regardless of anything else.