I hope I'm asking my question in the right place, I didn't see any other subs that looked better than this one.
I will preface by saying I have not contacted my bank about this because I use an online bank and I highly doubt they offer loans.
I'm trying to buy a car from a dealership. I prefer this over other options because I want warranties and I don't want to buy a beater that might break down a lot.
I filed a chap. 7 bankruptcy last year, this was discharged in February '20. Part of my bankruptcy included 2 banks, so I guess I'm on whatever system they use to check people's history? Check something. My credit is around 678.
I pay the majority of my bills with financial aid because I am a student. I also have a part time job which brings me $900 a month. I was told that financial aid is not counted as income. So I have the money but not in a way banks recognize.
I have an excellent co-signer (flawless credit, lots of money) But they want the loan to have my name on it so I can register the car myself and put it on my own insurance policy.
How likely will I be able to get my name on this loan with these details?
Edit: I forgot to mention that I am planning to put 3k down, hopefully to entice lenders and also to keep my monthly payments as low as I can while I'm in school.