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Hi OP, there was a glitch last night and part of your post was bleeped out. It wasn't anything you did.
I take it you were asking about a thin file? I'd try your local small bank or CU. They tend to look beyond the score and are more favorable towards a limited CR.
Job history? Income?
@ezef3ar wrote:
Job currently 2 years. And. Around 35500 a year
Well, doesn't look too bad. Unless you have something on your reports that scares them away I'd say you have a very decent chance of getting financing. Your thin file is definitely a negative, but a good down payment can go a long way to helping there. Cap1 blank check maybe? If you get that, take it to the dealer and see if they can beat it.
I've had a couple of Capital One loans in the past, they usually work with you, as long as you don't have too many red flags in your credit report. If your thin file still gets you a loan, but not at the rate you expect, wait like a year and refi. Maybe you will get a lower interest by then.
Did you apply for Cap1? or anyone yet?
What car are you looking to buy?