Hoa

I brought a 2010 Lexus HS250h (hybrid) premium edition with 27k miles for $25,991. After tax, GAP protection, and other dealer fees, the final price is $29,000. I put down $4,000 and finance $25,000 with Sun trust bank at 5.25% interest rate for 60 months. My credit has negative marks from Chapter 7 three years ago. However, my credit is 644 but I do maintain good record with all my creditors. I am also looking into credit union for lower rate in couple months. So, 5.25% is a decent rate?

I am thinking about to get a three wheels motorcycle 2013 Can-am Spyder RS. The price tag is $16,999 (excluding tax and title fees). I am able to put $4,000 down payment and financing the remaining balance. However, I have two problems, bankruptcy after divorced my wife in 2009 and weak FICO score (642). I have two credit cards (0 balance), 2 years auto loan with excellent payments history, house paid off. My monthly expenses less than $700 and part-time job income is 30k a year. Will my loan able to be financed or should I forget it?

This summer, I am thinking to buy 2013 Sea Doo GTS130 jet ski ($8,399) + trailer ($1,399) not including taxes. One problem, I filed Chapter 7 after the divorced in 2009. Right now, my currently credit score is 650, not that great. I have 2 credit cards (0 balance), car payment (3 years left), student loan ($8,000), monthly expenses are less than $800. In addition, I save about 400-500 each month. However, I will put down $4,000 down payment toward the purchase. My question is, can I get approved for a loan or good rate on score 650?. Maybe I should wait?