I need to buy a car, my credit score is 635. I have no late payments in the last 3 years however…?

I do have 5 credit cards that are nearly maxed out. And have had a few credit challenges in the past. If I pay those cards off over the next 45-60 days will I be able to get financing and if so what interest rate should I expect to pay. And, how much do you think paying off these cards will increase my credit score?

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