of course it*s not too late to apply. in my opinion, the most important is to show why u r interested in finance, what make you different from others (i.e your contribution to the class) and your career goal. if you can't prove, then it will be different. however, the major difference between students is how to present yourself. for example, an engineer can even say that he is good at mathematics and is an ideal candidate for trading position in a investment bank. you have to tell that your experience, undergraduate course r related