Financing a new car?

My fiance's car died, she was forced to buy a new one. They gave us 1,000 dollars for her car, and we put down 2 grand, they told her she couldn't finance the car on her own (student loans) and i had to cosign, ultimately was put on line 1 of the loan. my score is 634 and i've got about 3 grand in debt. my income is 2400 bucks a month. i do have some credit delinquency, but am in payment arrangements for those items. We financed the car on thursday and it still hasn't been picked up by a bank. how long does that usually take and is there a reason i wouldn't get picked up by a finance company?

thanks so much for your time and help, cheers.

Your question is a little unclear.

If you're saying your application hasn't been approved by a bank yet:
I would find out first thing Monday what's the holdup. The dealer can usually call the finance company direct (they work with multiple companies) and get an approval within an hour or so. Not sure why they didn't approve you yet.

If you're saying the loan hasn't shown up on your credit report yet:
Not a big deal, it usually takes a month to do so

At any rate, your score is good enough that you should be able to get financing from any dealer. You won't get the best rates, but they will definitely finance you.

I really believe that I have the best answer for you. go to www.eaglecreditrestoration.com and you can go to credit restoration and also to auto loan, you could get a loan before you shop for the car, and off course you know that you will get a much better rate once your credit is restored to the highest possible score.