Chances on being able to buy my leased car?

I have 3 accounts that are derogatory 2 being cell phones and 1 being medical. They were on my credit report at the time of me leasing my car. All of my payments have been on time. I make 767 gross weekly and capital one credit tracker says my credit it 602. I don't care if my interest rate is high I deserve it for my stupidity when I was younger. My car is a 2014 Ford Focus and my buy out is 14800.

On a car like that you may be better off just buying it instead of leasing it. Then you will not have to worry about the mileage you put on it.

If you leased a car and only have a 602 after several years of lease payments, your chances of being approved for another loan are not good.

Generally you can't lease or buy with such a low credit score.

A subprime lender might finance you… On a different car where they could jack the price up. Interest is only part of it, a "discount" is a lot of it.

And in either case, you would need a good chunk down.

There's more to this than you're telling us. Two cell phone bills and a medical bill won't drop you to a 602. Are they charge-offs? If so, simply paying them would raise your score a bit.

You have a $3000 personal loan, which a lender will take into account, as well as rent/mortgage, and credit cards, so you may be hurting as far as your debt-to-net ratio is concerned.

You mentioned in our last question that your scores from CreditKarma were around a 610, so your score is more likely in the mid to upper 500's. Combined with a high debt-to-net, it hurts. You have a chance, but it's a small chance, of getting approved.

Contact your local bank or credit union, they would be able to help you a little more. Also, contact the dealer you bought the car from, their finance manager may be able to help.