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Question about Chase Auto Loans

Regular Contributor

Question about Chase Auto Loans

Ive been doing some loan shopping, and am looking at Chase, seeing as there are so many positive reviews about them. I have both their Freedom and Slate cards, but they both have high balances due to the holidays. I use those cards the most of all my cards (0% APR), and have never been late on them. My total UTIL is 29% for all cards. Here is more info:

 

Credit Score: 660 EX Fico (1/11)

AAoA: little less than 2 years

# of positive trade lines: 6

# of negative trade lines: 2 ( a few lates from 2+ years ago)

Income: approx 23,000 per year 

Lenght of Employment: 2.5 years at current job

Previous Loan Experience: none

Debt-to-Income (DTI): 10%

Year of Car: 2011 Honda Accord

Miles: 28000

Purchase/Refinance: purchase

Requested loan term (XX Months): 60

Down payment amount: 6400

Co-borrower/Co-Signer: none

Other: I live with family, so I dont pay any rent. Patelco already denied me and after the fact told me that they have to put atleast $400 down as rent even though I dont pay any. 

 

Looking for a loan of no more than 17,000.

1 REPLY
Regular Contributor

Re: Question about Chase Auto Loans

Forgot to add:

 

Im a recent college graduate, if that helps any. Have about $3800 in savings for rainy day situations. 

 

I also bank at US Bank... should I try with them too?