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  • Joseph has also been saving for a $20,000 car but he only makes a down payment of $2,500
  • so what
  • credit score is determined based on if you have payed back previous loans, if you have a credit card, and how much you use credit. 
  • uh oh it looks like you've missed  several payments and canceled 3 credit cards, these really drop your credit score
  • you're APR can significantly rise if you miss a payment, and your credit score will drop
  • well with your low credit score and down payment your APR will be 27.5%
  • because mathew had better credit and made a bigger down payment his car cost him less 
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