I always had car loans but in the past few years I had two judgements put on my credit..which have been paid..One three years ago and the other 1.5 years ago. Both were for small amounts on credit cards that were old and I was stupid not to address them right away. Did a free credit report and two of the credit folks show only one and the other one shows both. I have been diligent on paying one of those credit repair cards for the past three years..the credit amount is small.. 250.00. I charge and then pay down every month. Also I have worked in the same job for 28 years..and my home is in my parents name due to a divorce. That is almost paid off. Do I have a chance on getting a loan? Would like to put 6000 down and finance the rest. Should I go to a dealer that deals with high risk clients and who are they? Also, during this time of unsavory credit I was paying for my sons k-12 school and paid for his college in full.