mazda credit, MY credit, and my car lease?

FAI

New member
My car lease is up next month and I'd like to refinance and buy my lovely little 2007 mazda3. I have 2 things on my credit report: 1) a negative hit for $300 owed to a gym, and 2) my account for my car lease with mazda credit, which is in good standing for 3 years of on-time payments. I've been denied left & right for car loans for the past few days because of that bad hit. Will Mazda Credit be willing to give me this loan to buy my car based on the fact that I have a good account with them? I've now moved to a different state and my salary is half what it was when I first got my car; like most people I'm just thankful I have a job but if they want money down from me it's not going to happen. I'm so scared...
 
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