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I'm not too sure if I put this in the correct category, but anyway...
I currently am unhappy at my current job and I just applied for a job elsewhere. Should I stick it out a few more months at my current job? Or should I go ahead and take the new job I may be offered? The reason I ask is because I just got the auto loan today and I don't know if I should risk it and leave or stay at my current job until I make a few payment on the loan.
I don't think it matters what job you have kmm, just as long as you pay for the vehicle, that's all the bank/finance companies are worried about .
I hope this helps!
If you have been approved for a loan, and the loan has not been funded by the bank, I would not change jobs.
I work as a Finance Manager for an auto dealership and know from experience.They will most likely have a stipulation on verification of job info, If they call to verify and you are no longer employed, the will cancel the approval. You most likely signed a "Spot Delivery" agreement, and if the loan does not fund (the dealership doesnt receive the money), they will take the vehicle back!
Question for the finance manager. What is the Min FICO score you need to work with ?
What is more important? Car or new job? There's your answer. Good Luck!!]
EDITED: Oh, I thought you had a new job offer, but you don't yet. Car loans don't take a long time to fund. If you're going to buy, hurry up and do it before new job offer comes along.
There isnt a "minimum" fico score needed. It just depends on which bank you want to go through. I have lenders that will lend to a 400 score, would just need 1k or more down and you will be paying high interest. Most "Prime" Lenders like a 640 and above.