Although it is good to gain anectdotal advice from other persons experiences, CREDIT SCORE ALONE DOES NOT DETERMINE A DEAL, RATES OR APPROVAL.
Other factors:
- debt to income ratio
- gross monthly income, in most cases if you do not make $1,800 a month not counting overtime you are not getting approved.
- past experience with that specific lender (good track record may get you approved)
- time on job
- length of unbroken employment
- Loan to value of new car
- type of employment (FT/PT/Self)
- equity carried into deal (either positinve in the form of downpayment or negative equity from a trade in)
- Term of loan
- new or used vehicle
And last but not least: The WHIMS of the bank, They could suddenly decide that people with a certain score in a certain area are no longer viable, or suddenly decide to lower standards. Or to lower standards for the rest of the month, or to lower standards only on people buying trucks, or people financing between $7,000-$10,000.
