this will be my first car loan. I have about $8,000 on my NFCU credit card and another $4,000 on my USAA. (credit card debt that im paying off)
which of the two (NFCU vs. USAA), or other banks, will be forgiving when i apply for a car loan? im looking for vehicles in the $15,000 range and need to purchase in the next 14 days or so. preferably in less than a month.
I have a new job and have had to spend to try and relocate and so on and so forth. in 60 days i can pay off my balances dramatically not sure if that's the best thing to do in order to get good APR on a car loan. without a car im renting a vehicle for the weekends and its costing me dearly.
i basically want to know where can i apply to that will work with my situation?
Equifax Credit Score? 733 Your Experian Credit Score? 735 Your TransUnion Credit Score? 748
How many years have you been on file with Equifax? 6 years, 7 months How many years have you been on file with Experian? 6 years, 7 months How many years have you been on file with TransUnion? 6 years, 7 months
YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY
Do you have an open auto loan? NO Will this open auto loan be a trade-in? NO How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best)
YOUR REVOLVING CREDIT HISTORY
Total number of revolving account(s) you have? 7 Total percentage utilized overall? 23% revolving utilized How many of your revolving accounts are store cards? 1 best buy reward zone mc How many of your revolving accounts are major credit cards? 7 How many of your revolving accounts are known subprime credit cards 0
YOUR PERSONAL INFORMATION
How long at your current residence? 8 years Do you Rent or have a Mortgage, or Live w/Relative or Other? wife carries mortgage Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 2 months Your total provable monthly gross income is? $2000 the only "debt" i have are my credit card bills, which are not high. for what that's worth Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? None Describe the source. Is the additional monthly income provable? Spousal income is not applicable.
YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $3000 or 20%. i can go up to $5,000 although not my preference. Does any credit repository contain any Public Record? No If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe.
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 i assume only Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 assume Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9 assume
New or Used vehicle you are considering: Please very briefly describe. 2013-2014 subaru legacy, about $15,000 or similar AWD vehicle