Question about auto loan/financing...?

My bank (U.S. Bank) rejected me for an auto loan because I don't have a long enough credit history (I've only had my card since November of 2003). However, my credit score is 704.

I have a dealership in mind that my family has been using for ten years, and they promote their financing program as being able to help almost anyone secure an auto loan despite credit problems.

Anyone know if dealerships can get an auto loan easier than a bank? I do not want to have a co-signer.

Question about auto loan/financing...?

The best thing to do is apply with them and see what they have to offer with that credit score you should be able to negotiate the lowest rate possible ..kr

Good Luck!

Question about auto loan/financing...?

yes they have alot of banks they use so its easier to find at least one to finance you and they do all the work for you

Question about auto loan/financing...?

Talk to the auto dealership - they will most likely be able to find financing for you.

Find out what rate banks and credit unions are giving these days so you'll know if they are giving you a decent rate.

Question about auto loan/financing...?

Auto finance iswhat I do for a living and auto loans are based on the following factors;

1. LTV (loan to value).

2. Term requested.

3. Age of vehicle.

4. Miles on vehicle.

5. Down payment.

6. Time on job.

7. Time at residence.

8. Monthly income before taxes.

9. Credit score/profile.

Go to your dealer and work with them. Due to your thin file, you may require Special Finance.

Question about auto loan/financing...?

You can try for the auto places finance,

Alternatively you can get a fast car loan off the web..

Just to point you in the direction of a free quote: