Can’t get approved for a loan

My credit is not good and I don’t have a lot of income. I’m sitting at a 550, and I work two jobs. I work full time at $21/Hr and part time at $22/hr. I found a car for $12,500. It’s a 1992 Chevrolet Corvette with 70k miles on it, 2Door (not-convertible), RWD, 5.8L V8, auto 4-speed. I checked it on car-fax, no issues or history of major mechanical issues. Just regular maintenance. I have two reports in collections, one paid and one not. My FT job I can walk but it’s 2 hours one way. And the other is way beyond walking distance. I find rides as I can…

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