That is probably what it is. I had a business a while back and had 6 credit cards or so. When I shut down I closed all the cards except for one. I think this also hurt my credit, but I didn't care at the time. I just wanted to close up those cards.

 

ya i personally would go 500 or bigger my 7yr old has a 400 and he complains once and a while that there is just not enough....and as for any interest over 8% No way!! thats just crazy...and i was told by my mortgage broker never to close credit cards he said just don't use em it looks good when you have 100,000 in available credit but only use 2,000 ya know...Also the more credityou apply for your score actually drops!!FYI so pick and choose who you apply to!!

 

Just a suggestion, but you might want to get your credit report to see what your score is and to see if there is something on there that needs to be corrected. A few years ago they got my score mixed up with someone who has the same name as mine. My daughter was also the victim of identity theft and had problems for quite some time. Since you are going to have to delay a while, you may be able to improve your credit score.

I know credit is tight, but the interest rate you quoted and money down is outrageous.

 

Having too many recently closed credit accounts also might not be good for your score.

Anyway, if you have State Farm ins, you might see if your agent also carries State Farm Bank products...

I've ridden a 400 Outlander. It's not a bad machine, but I hated the linked brakes. Also, the owner got it hung up in the rocks, and it wouldn't spin a tire in low range or reverse at full throttle.

If locker, auto, IRS are all in the mix, a 450 Griz might not be a bad choice. I've seen them claw their way out of some impressive stuff, and Yamaha has about the best belt drive auto you can find.

I'm kind of partial to Hondas. Auto wise, you might find a used Rubicon, but they are solid rear axle and traxlock limited slip front end. If you didn't mind foot shift auto clutch, you could likely find a 500 Foreman in your range. They are stone axe simple, and known to rack up many thousands of miles with just routine service. Their other autos are the 650 and later 680 Rincon (IRS, traxlock, fairly high geared), and the new 420 Rancher IRS with a dual clutch auto.