I’m 22 and my credit score is sitting around 580-620. I have about 4 collections totaling to almost $100k, although I’m currently paying off one that’s $45k at $750/mo. My other two collections totaling $35k are currently being negotiated and I may declare chapter 13, as I make more than the median income (~85,000/yr).

My current car (2011 Mustang) is broken down and needs about $10k worth of work, and I’d rather buy a new one and swap over all of the newer and aftermarket parts. I’ve been pre-approved through a couple banks and sites like carvana, but they all want $5000 down payment, and I can only do $1000 down. I don’t mind high APR, as I’ll refinance in a year or so, but I’m struggling to find a new one. I’m specifically looking for an 11-14 Mustang GT Premium Coupe Manual, and even though there’s plenty to be bought, I just cant seem to find anywhere willing to lend money without a big down payment.

Do any of you guys know of anywhere that lends mostly on income, or at least would lend with a $1,000 down payment? I’ve tried banks, credit unions, online car sales, dealerships, lender networks, and it’s starting to make me depressed in how deep of a hole I’m in.

Places I’ve tried:

AutoCreditExpress, Carvana, Carmax, Truecar, Driveway, Drivetime, Bankrate, Vroom, Capital One, Westlake Financial, Upgrade, Space Coast Credit Union, FL Credit Union, Cargurus