You need to be working on paying your bills on time since late payments are held against you. Pay down anything outstanding ASAP esp credit cards. What is impressive is that you have held your job for at least a year and paid bills. Additionally a hefty down payment speaks volumes. If there are an problems with making payments then contact CCC, the consumer credit counseling center for assistance. If that isn't the problem then do Not buy anything new esp a car since that would affect the loan. Talk to several loan officers to see what you need to do but in the mean time save, save and save after you've paid everything off. Any purchase before then would be at best an extremely high interest rate, but keep working on it and you'll get there.