Now that you know that you are overdue for so many times, don't you know that you can't approve the loan?
Personal reasons, the down payment is not refundable.
If you go to the bank, no one will open it for you, and they have no right to open it. There's only one way. Go to the local credit reporting department and ask the acquaintances there to go through the back door. Maybe I can give you a certificate. There is no other way.
There is really no way but to use the card well. New credit records will be set in a few years, and banks that lend only look at recent years.
I have been overdue many times myself, and now I dare not even think about it. I can afford the full price, but I won't buy it if I can't.