Brian, you will end up paying much more money over the long term if you were to get a loan with a 561 credit score. The interest rate would make the monthly payment much higher. It would only take you a couple of months to get your score up to 580 or higher. Email me at firstname.lastname@example.org if you would like more information to help build your score up at NO additional charge. There are small things we can do to get you headed in the right direction. Good luck!