[sickcallawayc12]

Figure out how much you can afford to pay every month (figure out ALL expenses, bills, food money, future school expenses, money for the mall, anything that will be deducted from that 700-800 a month). find out what your credit score is too, this number will give you an idea of your chances. There are certain formulas banks use to figure out the most you can pay a month when considering loans. You've already taken out a loan with a bank so the more extra money you have after expenses, the better your chances of getting one. Using the title of the vehicle you plan to purchase as collateral helps too.