Well, all day Friday ive been trying to get approved on this 03 z06 thats for sale. I owe 9k on my car and the dealer (small place) was gonna give me 3500 for trade in, and with 2500 down my loan would be 26k for the vette w/ the negative equity of my car in there. Its a 50th anniversary with all the add ons and it blue books for 24k wholesale and 29k retail. Well anyways the loan isnt outrageous for the situation since ill be paying off a car in the process. The problem is the run my credit and say that either that it doesnt have enough history (which doesnt make sense because I have over 4 years of payment on my car which is GOOD and a credit card still in good standing.) I do have a creditcard from Wells fargo that was written off BUT I paid it off a week ago but just hasnt got to my credit report yet, which in turn should boost my score some. My score now is 638, not great but not horrible either. I make about $2300 a month so they said income wasnt an issue as far as payments. Ive also worked at my job for jsut over 6 months and a year at my previous job so I guess thats not good enough work history. But anyways, is there not ONE PLACE THAT WILL GIVE ME THE LOAN?!?!?!?! Its not a ridiculous amount im asking for. I can more than afford it and my car payment history is good so I dont understand. Ive tried to go through Azfed, Chase, US Bank, First One bank, Desert Schools, and Sun west all with no luck. Anyone know of a place that might approve me? I have check stubs, a vehicle purchase order, kbb paper and everything ready I just need an approval. ANY help would be greatly appreciated!

P.S. Or if anyone wants to cosign for me I will give them $500 cash if im approved