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looking to get an auto loan through kia with a score of 560
So i really have my heart set on a kia soul. I have previously bought 2 cars from buy here pay here lots so even though i know i can pay off a car, my credit score is hurting me. Its currently at 560. I have one negative falling off in a few months which will only leave me with one negative that im going to pay because its very small and hopefully with help showing i paid it off.i plan on getting a secured credit card as well and hopefully in 7 months that might help improve my score too. I have been with my current employer for 2 years.So my question is how much should i expect my score to go up with these changes? And what are my chances of kia financing me? What apr will i likely be looking at? I dont plan on buying the car for 7-8 months so i can work on my score and pay off the car i have now (in house financing) so i can trade it in

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