Can I get an auto loan with a credit score of 545?

Recently the transmission went out in my husbands truck and the price to fix it is more than the truck is worth. We decided it's time to buy a new truck, but I'm concerned that we don't have the credit to finance a $20k truck. I have financed a car before and all of my payments were made on time, and the car is now paid off. I pay all my credit cards (3) off every month, on time. We did have a large amount of debt, but we took out a loan (with a co-signer) to consolidate our debt. What are the chances with I could take out a $20k auto loan with this credit score?