You don't have enough income for a 5k loan. Those credit card limits are what hurt. If your credit card limit is 5k then the loan company considers that as a debt to you even though you owe the credit card company Zero. They feel you can go out and charge up a storm. So yes but you should ask the dealer just how much you could be approved for. if it is 2k or less then you need to save more cash.
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