Chances of qualifying at a decent rate

[Anonymous]

I am looking to buy a Ford Truck (f250).  Final price will be around 55K, and I will be putting 5K cash as a down payment.  I would like to pre-qualify through DCU and Ford Motor Credit.  My income is 120K, I have been at the same job for 16 years, and the same residence for 12 years.  I live in N.E. Texas.  I am pretty sure I will be approved, but the question is will it be a decent rate?

I just pulled my full profile from myfico this morning.  Here are my scores

Equifax

Score 8 - 707

Auto Score 8 - 708

Auto Score 5 - 679

Auto Score 9 - 676

mortgage score 5 - 673

Experian

Score 8 - 706

Auto Score 8 - 689

Score 9 - 680

Auto Score 9 - 686

TU

Score 8 - 695

Auto Score 8 - 705

Auto Score 4 - 694

Score 9 - 661

Auto Score 9 - 665

[Creditaddict]

I don't think you would have ANY issues getting Tier 1 with Ford (whatever the advertised % is) Ford is EASY!

[Anonymous]

What is the best way to apply with DCU?  Can I just do the online application, or would it be better to talk with someone on the phone?

Thanks

Tim

[Creditaddict]

Online is just fine

[EddieK]

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@Anonymous wrote:

What is the best way to apply with DCU?  Can I just do the online application, or would it be better to talk with someone on the phone?

Thanks

Tim

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I'd call...takes 10 minutes and you get a decision right then and there.  A lot of times applying online with DCU puts you in a pending status and has you wait for a call from them.  

[Anonymous]

I'll go with ford 0%. No one can beat ford captive lending