credit app for Marvbear... shopping interest rate

[upalom00]

Marvbear,

 

My employer's CU is offering a 3.55% APR with some conditions of course (ie 20% down payment for example). Was wondering if I were to finance through the dealership if I would get a better rate for 60 month loan.

 

I did notice Toyota is offering 0% for toyota Camrys '05 but I figure that is for 36 month loan. Think the dealership would be able to do any better on the 60 month loan the what my CU is offering?

 

Thanks!

 

 

Your Age: 27

How long have your been on file with the CRA’s? 8 years

 

Credit Scores:

Equifax? 783

Experian? 771

TransUnion? 788

 

Your Credit:

Rate your OVER ALL credit from 1-10 (10=BEST) 9

Rate your installment Credit from 1-10: 9

Rate your revolving Credit from 1-10: 8

 

Public Records? none

If yes, please describe:

 

Auto Loans:

Do you have an open auto loan? None

 

Credit Cards: 3

Total number of revolving accounts:

# of accts list on fico : 13 (including ... 2 mortgage loans)

Percent utilization overall: less than 15% (approx.)

 

Your Info:

Total Provable MONTHLY GROSS income: $5150

Provable via computerized paystubs or what method: paystub

 

New or Used Vehicle:

Please describe desired vehicle: Camry 2005 Standard

 

Please leave any comments that your feel may be pertinent and may lend added weight for a favorable outcome.

 

I can put down a significant downpayment if neccessary. Have a '02 Camry for tradein.

[MarvBear]

3.55 via your CU is an excellent rate.

 

I strongly doubt a dealer could better that rate on a 60 month term loan.

Edited December 12, 2004 by MarvBear