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Message: <blockquote data-quote="Ilovemylil&#039;man" data-source="post: 1665352" data-attributes="member: 641199"><p>Ok so i'm obviously going to have to let this car go back to the bank. BUT  before that happens i have to get a new car because its easier to get a car with OUT a freakin REPO sign on your credit. ya know what I mean. Anyways, so i HAVE had quite a few late payments. I mean, no repos on nothing, but ive been late on my house payment, and my car payments a few times. Question is: I need to get this new car soon,will those late payments make is VERY hard to get a car. Cuz i need a car but i can't pay a down payment and i have late payments on my credit. What do i do about getting a new car. Should I still be able to get one? I mean, credit was somewhat DECENT before all these late payments. So i don't know. I need a new car since my motor blew but i don't want to have 35 freakin % interest rate for my late payments.</p></blockquote><p></p>