Has anyone got an auto loan with a short credit history?
Recently my credit has cleaned up and I am looking to get an auto loan. Probably something used around $15,000. Credit history is 3 years with AAoA of 2 years. With auto enhanced score 720+ on all three credit bureau and with only 10% down. No prior loan history either, used to have one, but it has since dropped off. Only debt I have is a credit card with about $900 balance.
Will I be able to get an auto loan by myself or will I need a cosigner? I didn't want to apply first unless I figure out if I needed a cosigner or a bigger downpayment, etc.
