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Chances of Being Approved *Please Read*

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Okay, I know it's all a matter of going to the dealer and just finding out for myself. But I just wanted to get some advice on the outside first. I am trying to lease a 2018 Jeep Wrangler JL priced at $39,000

 

My current score is a 712 with transunion at least

 

1 negative item, Medical Bill, that just reported last month.

 

Accounts in good standing:

 

Discover Secured Card - Limit: $400 - 9 months of on time payments, no lates. Very low balance, I only use it for gas and a bite to eat every blue moon.

Credit Union Secured Card - Limit: $500 - 4 months of on time payments, no lates. However, the card is maxed out I used it to pay for a dental procedure that wasn't covered by my insurance, but I am paying on it and will not spend from the card.

Credit Builder Loan with my Credit union - $1000 - 2 months of on time payments, no lates. This is reporting as installment and after 1 year of making on time payments, I will receive 50% of the interest back, so it's kind of like I'm saving and building credit.

Auto Loan: $8,800 - 5 months - Owe $3,000 left on the car, but do not want to trade in, as I have given the car to my mom. - No late - Perfect History.

 

I am almost done paying the car off in just 9 months. I got into a bad deal, simply because when I got the car I didn't have any credit, and I had little money for a down payment, was desperate and needed to get to work and school at the time. So I put in crazy work hours and has been paying $760 each month towards my car payments and took part of my tax refund check and paid towards my card. The balance is only $3000. So from here I'll just make the original monthly payment of $220 and my mom will start paying $200.00. My mom car went out last week and she needs a car she has a home cleaning business with my aunt and she need a car to get around. So she take me to work until I get my own car. That's the ordeal.

 

However, I just graduated last month and my job has promoted me to an Accountant ll, I've been with the company since I was 21 and I just turned 26 so I have solid job time. I'm now making $65k a year.

 

What are my chances of leasing a $39,000 Jeep?

 

 

 

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Okay, I know it's all a matter of going to the dealer and just finding out for myself. But I just wanted to get some advice on the outside first. I am trying to lease a 2018 Jeep Wrangler JL priced at $39,000

 

My current score is a 712 with transunion at least

 

1 negative item, Medical Bill, that just reported last month.

 

Accounts in good standing:

 

Discover Secured Card - Limit: $400 - 9 months of on time payments, no lates. Very low balance, I only use it for gas and a bite to eat every blue moon.

Credit Union Secured Card - Limit: $500 - 4 months of on time payments, no lates. However, the card is maxed out I used it to pay for a dental procedure that wasn't covered by my insurance, but I am paying on it and will not spend from the card.

Credit Builder Loan with my Credit union - $1000 - 2 months of on time payments, no lates. This is reporting as installment and after 1 year of making on time payments, I will receive 50% of the interest back, so it's kind of like I'm saving and building credit.

Auto Loan: $8,800 - 5 months - Owe $3,000 left on the car, but do not want to trade in, as I have given the car to my mom. - No late - Perfect History.

 

I am almost done paying the car off in just 9 months. I got into a bad deal, simply because when I got the car I didn't have any credit, and I had little money for a down payment, was desperate and needed to get to work and school at the time. So I put in crazy work hours and has been paying $760 each month towards my car payments and took part of my tax refund check and paid towards my card. The balance is only $3000. So from here I'll just make the original monthly payment of $220 and my mom will start paying $200.00. My mom car went out last week and she needs a car she has a home cleaning business with my aunt and she need a car to get around. So she take me to work until I get my own car. That's the ordeal.

 

However, I just graduated last month and my job has promoted me to an Accountant ll, I've been with the company since I was 21 and I just turned 26 so I have solid job time. I'm now making $65k a year.

 

What are my chances of leasing a $39,000 Jeep?

 

 

 

 

Welcome to CB. You might want to post this question in the auto finance forum. Or I can move this for you if you want me to.

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Okay, I know it's all a matter of going to the dealer and just finding out for myself. But I just wanted to get some advice on the outside first. I am trying to lease a 2018 Jeep Wrangler JL priced at $39,000

 

My current score is a 712 with transunion at least

 

1 negative item, Medical Bill, that just reported last month.

 

Accounts in good standing:

 

Discover Secured Card - Limit: $400 - 9 months of on time payments, no lates. Very low balance, I only use it for gas and a bite to eat every blue moon.

Credit Union Secured Card - Limit: $500 - 4 months of on time payments, no lates. However, the card is maxed out I used it to pay for a dental procedure that wasn't covered by my insurance, but I am paying on it and will not spend from the card.

Credit Builder Loan with my Credit union - $1000 - 2 months of on time payments, no lates. This is reporting as installment and after 1 year of making on time payments, I will receive 50% of the interest back, so it's kind of like I'm saving and building credit.

Auto Loan: $8,800 - 5 months - Owe $3,000 left on the car, but do not want to trade in, as I have given the car to my mom. - No late - Perfect History.

 

I am almost done paying the car off in just 9 months. I got into a bad deal, simply because when I got the car I didn't have any credit, and I had little money for a down payment, was desperate and needed to get to work and school at the time. So I put in crazy work hours and has been paying $760 each month towards my car payments and took part of my tax refund check and paid towards my card. The balance is only $3000. So from here I'll just make the original monthly payment of $220 and my mom will start paying $200.00. My mom car went out last week and she needs a car she has a home cleaning business with my aunt and she need a car to get around. So she take me to work until I get my own car. That's the ordeal.

 

However, I just graduated last month and my job has promoted me to an Accountant ll, I've been with the company since I was 21 and I just turned 26 so I have solid job time. I'm now making $65k a year.

 

What are my chances of leasing a $39,000 Jeep?

 

 

 

 

Welcome to CB. You might want to post this question in the auto finance forum. Or I can move this for you if you want me to.

 

Please move for me. I didn't know. Thank you.

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I'm sure Marv will say you absolutely will be approved. It just depends if the terms are acceptable to you. They won't be the most favorable terms.

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That's Marv's approval arrow. :D

 

Don't worry we don't get mad if you post in the "wrong" place.

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